Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). A current level of 25.7 percent of nonperforming loans to core capital combined with 15.7 percent from a year earlier contributes to the Weak asset quality (2.0).
Other Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.5 and a capital leverage ratio of 9.5. Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (1.2) profitability.
Asset Mix:
Home mtgs (45%), comm re (25%), cash (10%), securities (4%), comm loans (4%), consumer loans (1%), other (11%)
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
CSB&T Bancorp, Inc.
Investment Rating
--
Address
1917 Heiman Street
Nashville, TN 37208
Nashville, TN 37208
Phone Number
(615) 327-9787
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.