INSOUTH Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Fair (4.3) profitability. A current level of 21.8 percent of nonperforming loans to core capital combined with 13.8 percent from a year earlier contributes to the Weak asset quality (2.1).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 11.2 and a capital leverage ratio of 8.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Comm re (29%), home mtgs (18%), securities (13%), comm loans (11%), home eq lns (5%), cash (2%), consumer loans (1%), other (21%)
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
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