Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 34.7 and a capital leverage ratio of 20.9. A current level of 0.4 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other 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 (8.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.1) profitability.
Asset Mix:
Securities (32%), home mtgs (24%), comm loans (12%), consumer loans (7%), cash (5%), comm re (5%), home eq lns (1%), other (14%)
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
Bancshares of Gleason, Inc.
Investment Rating
--
Address
203 Main Street
Gleason, TN 38229
Gleason, TN 38229
Phone Number
(731) 648-5506
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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