Major Rating Factors:
A current level of 6.5 percent of nonperforming loans to core capital combined with 12.8 percent from a year earlier contributes to the Fair asset quality (5.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.6 and a capital leverage ratio of 10.1. Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.9) profitability.
Asset Mix:
Comm loans (30%), comm re (23%), home mtgs (12%), cash (10%), consumer loans (6%), home eq lns (5%), securities (1%), other (13%)
States with Branches:
KY, 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
Sonata Financial Holdings, Inc.
Investment Rating
--
Address
5005 Maryland Way
Brentwood, TN 37027
Brentwood, TN 37027
Phone Number
(833) 766-2821
Year Founded
1890
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.