Major Rating Factors:
A current level of 2.6 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Excellent asset quality (7.1). Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.6 and a capital leverage ratio of 8.7.
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (5.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Asset Mix:
Securities (31%), comm re (22%), home mtgs (22%), cash (8%), home eq lns (4%), comm loans (3%), consumer loans (2%), other (8%)
States with Branches:
SC
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
TCB Corporation
Investment Rating
--
Address
419 Main Street
Greenwood, SC 29646
Greenwood, SC 29646
Phone Number
(864) 942-1538
Year Founded
1933
FDIC Number
Website
Largest Affiliates
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