Major Rating Factors:
A current level of 10.9 percent of nonperforming loans to core capital combined with 7.1 percent from a year earlier contributes to the Fair asset quality (4.6). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability.
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 15.8 and a capital leverage ratio of 8.2. Weak liquidity 2.9, driven by a liquidity ratio of 20.4 percent and a “hot money” ratio of 34.0 percent.
Asset Mix:
Securities (32%), comm re (13%), home mtgs (11%), cash (10%), comm loans (7%), consumer loans (3%), other (24%)
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.