Major Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.0. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Good (6.9) profitability.
Other Rating Factors:
A current level of 4.5 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Good asset quality (6.8). 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:
Cash (23%), comm re (15%), home mtgs (14%), securities (12%), consumer loans (5%), comm loans (4%), home eq lns (3%), other (23%)
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 Valley Bancshares, Inc.
Investment Rating
--
Address
15699 Rankin Avenue
Dunlap, TN 37327
Dunlap, TN 37327
Phone Number
(423) 949-2173
Year Founded
1972
FDIC Number
Website
Largest Affiliates
No affiliate information available.