South Georgia Bank
Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 20.8 and a capital leverage ratio of 10.6. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (8.7) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.6 on a scale of 0 to 10). A current level of 4.6 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Cash (22%), securities (21%), comm re (17%), home mtgs (12%), comm loans (7%), consumer loans (3%), other (18%)
States with Branches:
GA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
South Group Bancshares, Inc.
Investment Rating
--
Address
401 South Veterans Boulevard
Glennville, GA 30427
Glennville, GA 30427
Phone Number
(912) 654-1051
Year Founded
1987
FDIC Number
Website
Largest Affiliates
No affiliate information available.