Vitals
  • Total Assets
    88.3M 0.2 %
  • Total Deposits
    77.8M -1.4 %
  • Total Net Loans
    66.2M 4.0 %
  • Net Income
    1.2M 28.3 %
  • Book Value
    10.3M 14.0 %
  • Book Value x2
    20.6M 14.0 %
  • Book Value x3
    30.9M 14.0 %
ROAA

1.316

ROAE

12.439

Efficiency Ratio

71.066

Net Interest Margin

4.158

Balance Sheet Highlights
Financial Highlights Spivey State Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 88,281 228,515
Total Net Loans 66,157 139,475
Total Deposits 77,840 196,431
Total Equity 10,307 24,170
Profitability
Net Income 1,209 1,950
Return on Average Assets 1.316 .747
Return on Average Equity 12.439 6.852
Net Interest Margin 4.158 3.965
Efficiency Ratio 71.066 76.672
Noninterest Income/Revenue 21.643 16.036
Balance Sheet Ratios
Loan-to-Deposit 84.991 69.846
Securities/Assets .166 .179
Total Equity/Total Assets .117 .106
Tangible Equity/Tangible Assets .117 .104
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 10,514 22,896
Tier 2 Capital 499 1,775
Total Capital 11,013 24,754
Total Risk Weighted Assets 64,797 152,724
Leverage Ratio 11.57 10.383
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 16.23 16.062
Total Capital Ratio 17 17.234

Timeline for Spivey State Bank

Persons Banking Company

Spivey State Bank was acquired by Persons Banking Company 9 years

View Profile Feb 07 2015

Persons Banking Co., Inc.

Persons Banking Co., Inc. became a new parent organization for Spivey State Bank.

View Profile Apr 13 1995

Spivey Bankshares, Inc.

Spivey Bankshares, Inc. became a new parent organization for Spivey State Bank.

View Profile Jan 09 1987

Spivey State Bank

Spivey State Bank was established 70 years ago and is currently headquartered in Swainsboro, GA.

Aug 01 1953
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Persons Banking Company Buyer 329,200 Pooling of Interests Discontinued 2/7/2015
Relationships Role Relationship Start Relationship End
Persons Banking Co., Inc. Parent 4/13/1995 2/6/2015
Spivey Bankshares, Inc. Parent 1/9/1987 4/12/1995
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