Georgia-Carolina Bancshares, Inc
Financials · State Commercial Banks · GA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY13 | FY12 | FY11 | FY10 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $2.3M | $1.3M | $1.4M | $1.5M |
| Total assets | $516.5M | $506.2M | $493.3M | $495.3M |
| Total liabilities | $459.6M | $449.9M | $442.8M | $450.3M |
| Equity | $56.9M | $56.3M | $50.4M | $45.0M |
| EPS (diluted) | $0.65 | $0.36 | $0.39 | $0.44 |
| Shares out. | 3.6M | 3.6M | 3.6M | 3.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2013- Operating margin
- —
- Net margin
- —
- Return on equity
- 4.1%
- Return on assets
- 0.4%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.0%
- Debt / equity
- 8.08×
- Book value / share
- $16.00
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 79.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2013- Accruals / assets
- −4.2%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Blanchard Patrick GDirector | Jan 1, 2015 | D | 31,257 | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Shareholder voteDec 5, 2014
- Results of operations · Regulation FD disclosureOct 22, 2014
- Results of operations · Regulation FD disclosureJul 30, 2014
- Entered a material agreement · Director / officer change · Other material eventJun 24, 2014
- Shareholder voteMay 20, 2014
- Results of operations · Regulation FD disclosureApr 30, 2014
- Results of operations · Regulation FD disclosureJan 30, 2014
- Results of operations · Regulation FD disclosureOct 30, 2013
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.