Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Excellent (7.6) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.3. A current level of 0.1 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.6).
Asset Mix:
Comm re (27%), securities (20%), home mtgs (19%), comm loans (7%), consumer loans (2%), cash (2%), other (23%)
States with Branches:
AL, 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
1st Jackson Bancshares, Inc.
Investment Rating
--
Address
43243 US Highway 72
Stevenson, AL 35772
Stevenson, AL 35772
Phone Number
(256) 437-2107
Year Founded
1981
FDIC Number
Website
Largest Affiliates
Sardis, TN
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Bank