Vidalia Federal Savings Bank Financial Statements & Health Reports

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Vitals

ROAA

.297

ROAE

Efficiency Ratio

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	Vidalia Federal Savings Bank	All Insured Savings Banks in Georgia
Balance Sheet $(000)
Total Assets	225,921	307,758
Total Net Loans	61,742	216,571
Total Deposits	196,215	252,178
Total Equity	29,658	38,396
Profitability
Net Income	673	2,926
Return on Average Assets	.297	.728
Return on Average Equity	2.294	6.766
Net Interest Margin	2.122	3.974
Efficiency Ratio	79.286	81.825
Noninterest Income/Revenue	8.299	35.999
Balance Sheet Ratios
Loan-to-Deposit	31.467	88.337
Securities/Assets	.481	.129
Total Equity/Total Assets	.131	.125
Tangible Equity/Tangible Assets	.131	.116
Capital Adequacy
Tier 1 Common Capital	29,658	36,180
Tier 1 Capital	29,658	36,180
Tier 2 Capital	605	2,309
Total Capital	30,263	38,490
Total Risk Weighted Assets	63,442	211,263
Leverage Ratio	13.11	12.979
Common Equity Tier 1 Capital Ratio	46.75	22.198
Tier 1 Capital Ratio	46.75	22.198
Total Capital Ratio	47.7	23.256

Vidalia Federal Savings Bank was established 87 years ago and is currently headquartered in Vidalia, GA.

Sep 01 1936

Relationships	Role	Relationship Start	Relationship End

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