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Profile - Flag Financial Corp. (NasdaqNM:FLAG)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | Research | SEC | Msgs | Insider | Financials
Recent Events
July 31Price hit new 52-week high ($7.93)
Location
101 North Greenwood Street
P.O. Box 3007
LaGrange, GA 30241
Phone: (706) 845-5000
Fax: (706) 845-5007
Employees (last reported count): 230
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: S&Ls/Savings Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 23%
·Institutional: 4% (6% of float)
(15 institutions)
·Net Inst. Selling: 4,000  shares (+1.20%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Flag Financial Corporation is a bank holding company that is the sole shareholder of FLAG Bank, (the Bank). During 2000, The Citizens Bank and Thomaston Federal Savings Bank were merged into First Flag Bank. The Company is also a service provider of mortgage, appraisal, investment and insurance services though FLAG Mortgage, FLAG Appraisal Services, FLAG Investment Services and FLAG Insurance Services. A division of FLAG Bank provides these services. The Bank's businesses consist primarily of attracting deposits from the general public and, with these and other funds, making residential mortgage loans, consumer loans, commercial loans, commercial real estate loans, residential construction loans and securities investments.
More from Market Guide: Expanded Business Description

Financial Summary
FLAG is a bank holding company for Flag Bank. Flag's franchise consists of 25 offices in 15 counties in Georgia and Alabama. For the six months ended 6/30/01, interest income fell 2% to $23.4 million. Net interest income after loan provision rose 3% to $12.2 million. Net income rose 68% to $2.2 million. Net interest income reflects a reduction in the Company's loan loss provision. Net income reflects lower expenses attributable to the sale of branches.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

John Holle, 50
Chairman
$316K
J. Speight, Jr., 44
Pres, CEO
310K
Charlie Hinely, 53
Exec. VP and COO
223K
Robert Cochran, 64
Sr. VP, Director
186K
John Hines, Jr., 66
Sr. VP, Director
--  
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqNM:FLAGAs of 31-Aug-2001
Price and Volume
52-Week Low
on 15-Dec-2000
$4.938
Recent Price$7.31 
52-Week High
on 31-July-2001
$7.93 
Beta0.44 
Daily Volume (3-month avg)19.6K
Daily Volume (10-day avg)30.0K
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change+34.4%
52-Week Change
relative to S&P500
+80.3%
Share-Related Items
Market Capitalization$57.1M
Shares Outstanding7.81M
Float6.00M
Dividends & Splits
Annual Dividend (indicated)$0.24 
Dividend Yield3.28%
Last Split: 3 for 2 on 4-June-1998
Per-Share Data
Book Value (mrq)$7.26 
Earnings (ttm)$0.64 
Earnings (mrq)$0.12 
Sales (ttm)$5.66 
Cash (mrq)$1.75 
Valuation Ratios
Price/Book (mrq)1.01 
Price/Earnings (ttm)11.46 
Price/Sales (ttm)1.29 
Income Statements
Sales (ttm)$45.9M
EBITDAN/A 
Income available to common (ttm)$5.19M
Profitability
Profit Margin (ttm)11.3%
Operating Margin (ttm)47.2%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)0.95%
Return on Equity (ttm)9.38%
Financial Strength
Current RatioN/A 
Debt/EquityN/A 
Total Cash (mrq)$13.8M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
14.0K
Daily Volume33.0K
See Profile Help for a description of each item above;   K = thousands;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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