Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 4.9 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Good asset quality (5.1).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.0 has resulted in Excellent (8.7) profitability. Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 9.9.
Asset Mix:
Home mtgs (26%), comm re (16%), comm loans (12%), cash (10%), consumer loans (6%), securities (3%), home eq lns (1%), other (25%)
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
Soperton Bancshares, Incorporated
Investment Rating
--
Address
1202 Second Street, North
Soperton, GA 30457
Soperton, GA 30457
Phone Number
(912) 529-4431
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.