Major Rating Factors:
A current level of 12.4 percent of nonperforming loans to core capital combined with 16.6 percent from a year earlier contributes to the Fair asset quality (4.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 9.1. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Good (6.1) profitability.
Asset Mix:
Securities (29%), home mtgs (14%), comm re (10%), cash (9%), comm loans (4%), consumer loans (4%), other (30%)
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
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