Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.9) profitability. A current level of 11.4 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Good asset quality (5.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10). Excellent current capitalization (7.9 on a scale of 0 to 10) and a capital leverage ratio of 9.6.
Asset Mix:
Home mtgs (31%), comm re (17%), securities (8%), cash (7%), home eq lns (7%), comm loans (5%), consumer loans (4%), other (21%)
States with Branches:
TN
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Moscow Bancshares, Inc.
Investment Rating
--
Address
1265 Highway 57
Piperton, TN 38017
Piperton, TN 38017
Phone Number
(901) 854-2265
Year Founded
1905
FDIC Number
Website
Largest Affiliates
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