| Weiss Ratings |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Rating | ||||
| Asset Quality Index | 7.20 | |||
| Capitalization Index | 5.70 | |||
| Liquidity Index | 1.10 | |||
| Profitability Index | 0.00 | |||
| Stability Index | 6.00 | |||
| Company Info |
Vidalia Federal Savings Bank
Vidalia, GA |
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| FDIC Number | 29772 | |||
| Phone Number | (912) 537-8805 | |||
| Website | www.vidfedonline.com | |||
| Asset Quality |
Vidalia Federal Savings Bank
Vidalia, GA |
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| 1-Year Asset Growth | -0.85% | |||
| 5-Year Asset Growth | 3.11% | |||
| 5-Year Charge-Offs to Average Loans | 0.08% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.30% | |||
| Non-Performing Loans to Capital | 2.43% | |||
| Non-Performing Loans to Loans | 0.71% | |||
| Balance Sheet |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Total Assets | 224.31M | |||
| Total Deposits | 170.78M | |||
| Capital and Reserves |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Capital | 26.28M | |||
| Leverage Ratio | 11.85 | |||
| Loan Loss Reserves to Loans | 0.94% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Hot Money Ratio | 32.53% | |||
| Liquidity Ratio | 40.30% | |||
| Profitability |
Vidalia Federal Savings Bank
Vidalia, GA |
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| 5-Year Return on Average Assets | -0.37% | |||
| Net Income | -990.00K | |||
| Net Interest Spread | 1.12% | |||
| Operating Profit to Average Assets | -0.87% | |||
| Overhead Efficiency Ratio | 168.80% | |||
| Return on Assets | -0.87% | |||
| Return on Equity | -7.40% | |||