Major Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 8.1 percent from a year earlier contributes to the Good asset quality (6.5). Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 16.3 and a capital leverage ratio of 8.5.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Good (5.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Securities (32%), home mtgs (23%), comm re (21%), cash (9%), home eq lns (4%), comm loans (4%), consumer loans (1%), other (6%)
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
No affiliate information available.