Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10). Excellent current capitalization (7.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.4 and a capital leverage ratio of 9.6.
Other Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Good asset quality (6.4). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (3.6) profitability.
Asset Mix:
Comm re (25%), home mtgs (16%), home eq lns (10%), comm loans (9%), securities (9%), cash (2%), consumer loans (1%), other (28%)
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
Lawrence Bancshares, Inc.
Investment Rating
--
Address
3200 West End Avenue
Nashville, TN 37203
Nashville, TN 37203
Phone Number
(615) 466-7260
Year Founded
1977
FDIC Number
Website
Largest Affiliates
No affiliate information available.