Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Good (5.5) profitability.
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Excellent asset quality (7.3). Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 9.0.
Asset Mix:
Securities (33%), cash (12%), comm re (10%), home mtgs (9%), comm loans (5%), consumer loans (4%), other (26%)
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
BOE Bancshares, Inc.
Investment Rating
--
Address
476 Turner Street
Edison, GA 39846
Edison, GA 39846
Phone Number
(229) 835-2221
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.