INSOUTH Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.7) profitability. A current level of 12.4 percent of nonperforming loans to core capital combined with 13.7 percent from a year earlier contributes to the Fair asset quality (4.2).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 8.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Comm re (27%), home mtgs (17%), comm loans (13%), securities (12%), home eq lns (5%), cash (2%), consumer loans (1%), other (22%)
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
Independent Southern Bancshares, Inc.
Investment Rating
--
Address
111 South Washington Street
Brownsville, TN 38012
Brownsville, TN 38012
Phone Number
(731) 772-1201
Year Founded
1869
FDIC Number
Website
Largest Affiliates
No affiliate information available.