Major Rating Factors:
A current level of 1.2 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.3). Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 14.3 and a capital leverage ratio of 9.9.
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Good (6.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (28%), home mtgs (16%), comm loans (12%), consumer loans (4%), cash (2%), comm re (1%), other (36%)
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
Newbern, TN
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Bank
Halls, TN
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Bank