Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.0 has resulted in Fair (3.3) 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).
Other Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A current level of 3.9 percent of nonperforming loans to core capital combined with 8.2 percent from a year earlier contributes to the Good asset quality (6.9).
Asset Mix:
Comm loans (27%), comm re (20%), home mtgs (17%), securities (10%), cash (6%), consumer loans (3%), other (18%)
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
Hardin County Bancshares, Inc.
Investment Rating
--
Address
235 Wayne Road
Savannah, TN 38372
Savannah, TN 38372
Phone Number
(731) 925-9001
Year Founded
1973
FDIC Number
Website
Largest Affiliates
No affiliate information available.