Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.8) profitability. A current level of 13.0 percent of nonperforming loans to core capital combined with 5.2 percent from a year earlier contributes to the Fair asset quality (4.4).
Other Rating Factors:
Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 9.0. Fair liquidity 3.0, driven by a liquidity ratio of 22.5 percent and a “hot money” ratio of 36.5 percent.
Asset Mix:
Securities (29%), cash (15%), home mtgs (10%), comm re (8%), comm loans (6%), consumer loans (3%), other (28%)
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.