| Weiss Ratings |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Rating | ||||
| Asset Quality Index | 7.60 | |||
| Capitalization Index | 5.10 | |||
| Liquidity Index | 1.60 | |||
| Profitability Index | 0.00 | |||
| Stability Index | 6.10 | |||
| 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 | 8.20% | |||
| 5-Year Asset Growth | 3.11% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | 0.07% | |||
| Non-Performing Assets to Assets | 0.00% | |||
| Non-Performing Loans to Capital | 1.03% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Total Assets | 229.95M | |||
| Total Deposits | 175.25M | |||
| Capital and Reserves |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Capital | 27.19M | |||
| Leverage Ratio | 12.26 | |||
| Loan Loss Reserves to Loans | 0.98% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Vidalia Federal Savings Bank
Vidalia, GA |
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| Hot Money Ratio | 31.16% | |||
| Liquidity Ratio | 60.47% | |||
| Profitability |
Vidalia Federal Savings Bank
Vidalia, GA |
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| 5-Year Return on Average Assets | -0.17% | |||
| Net Income | -1.81M | |||
| Net Interest Spread | 1.03% | |||
| Operating Profit to Average Assets | -1.07% | |||
| Overhead Efficiency Ratio | 181.55% | |||
| Return on Assets | -0.82% | |||
| Return on Equity | -6.48% | |||