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 (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.1) profitability.
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 9.3. A current level of 4.5 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Home mtgs (36%), comm re (24%), securities (10%), comm loans (8%), cash (4%), consumer loans (2%), home eq lns (1%), other (16%)
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
Sequatchie County Bancorp, Inc.
Investment Rating
--
Address
17114 Rankin Avenue, North
Dunlap, TN 37327
Dunlap, TN 37327
Phone Number
(423) 949-2146
Year Founded
1905
FDIC Number
Largest Affiliates
No affiliate information available.