Southeastern Bank Financial (Southeastern Bank Financial) Scaled Net Operating Assets : 0.11 (As of Sep. 2016)

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What is Southeastern Bank Financial Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Southeastern Bank Financial's operating assets for the quarter that ended in Sep. 2016 was $1,780.14 Mil. Southeastern Bank Financial's operating liabilities for the quarter that ended in Sep. 2016 was $1,576.93 Mil. Southeastern Bank Financial's Total Assets for the quarter that ended in Jun. 2016 was $1,901.63 Mil. Therefore, Southeastern Bank Financial's scaled net operating assets (SNOA) for the quarter that ended in Sep. 2016 was 0.11.

Southeastern Bank Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Southeastern Bank Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2015 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2015 )
=	(Operating Assets (A: Dec. 2015 )	-	Operating Liabilities (A: Dec. 2015 ))	/	Total Assets (A: Dec. 2014 )
=	(1797.448	-	1565.452)	/	1732.781
=	0.13

where

	Operating Assets		(A: Dec. 2015 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	1840.365	-	42.917
=	1797.448

	Operating Liabilities		(A: Dec. 2015 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	1670.452	-	105	-	0
=	1565.452

Southeastern Bank Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Sep. 2016 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Sep. 2016 )
=	(Operating Assets (Q: Sep. 2016 )	-	Operating Liabilities (Q: Sep. 2016 ))	/	Total Assets (Q: Jun. 2016 )
=	(1780.137	-	1576.93)	/	1901.628
=	0.11

where

	Operating Assets		(Q: Sep. 2016 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	1875.529	-	95.392
=	1780.137

	Operating Liabilities		(Q: Sep. 2016 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	1686.93	-	110	-	0
=	1576.93

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Southeastern Bank Financial (Southeastern Bank Financial) Business Description

Industry

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Comparable Companies

Traded in Other Exchanges

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Address

Website

https://www.georgiabankandtrust.com

Southeastern Bank Financial Corp was incorporated in Georgia in February 1992. It is a bank holding company. The Company is community oriented which along with its subsidiaries offers real estate, commercial and consumer loans and various deposit and other services to individuals, small to medium sized businesses and professionals in its market area. The Company offers a range of lending services, including real estate, commercial and consumer loans to individuals, small to medium-sized businesses and professionals that are located in, or conduct a substantial portion of its business in the its market area. The Company offers a variety of deposit programs to individuals and small to medium-sized businesses and other organizations at interest rates generally consistent with local market conditions. Its services include the origination of residential and commercial real estate loans, construction and development loans, and commercial and consumer loans. The Company also offers a variety of deposit programs, including noninterest-bearing demand, interest checking, money management, savings, and time deposits. The Company's main market area includes Richmond and Columbia Counties in Georgia and Aiken County in South Carolina, all part of the Augusta-Richmond County, GA-SC metropolitan statistical area "MSA". The Company competes as a financial intermediary with other commercial banks, savings and loan associations, credit unions, mortgage banking companies, consumer finance companies, securities brokerages, insurance companies, and money market mutual funds operating in Richmond, Columbia and Clarke Counties in Georgia, Aiken County in South Carolina and elsewhere.

Executives

Darrell R Rains

officer: Chief Financial Officer

P.O. BOX 15367, AUGUSTA GA 30909