Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.9 has resulted in Fair (4.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7. A current level of 2.0 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Home mtgs (36%), comm re (14%), securities (10%), cash (9%), home eq lns (7%), comm loans (4%), consumer loans (2%), other (18%)
States with Branches:
AL, 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
General Bancshares, Inc.
Investment Rating
--
Address
4564 Main Street
Jasper, TN 37347
Jasper, TN 37347
Phone Number
(423) 942-5151
Year Founded
1970
FDIC Number
Largest Affiliates
No affiliate information available.