Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 10.3. A current level of 0.1 percent of nonperforming loans to core capital combined with 0.2 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.8) profitability.
Asset Mix:
Securities (24%), home mtgs (13%), comm loans (11%), cash (10%), consumer loans (4%), comm re (1%), other (37%)
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
Security Bancorp of Tennessee, Inc.
Investment Rating
--
Address
111 East Main Street
Bells, TN 38006
Bells, TN 38006
Phone Number
(731) 663-2031
Year Founded
1888
FDIC Number
Website
Largest Affiliates
Dyersburg, TN
-
Bank
Halls, TN
-
Bank