Carroll Bank and Trust
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.5) profitability. A current level of 12.4 percent of nonperforming loans to core capital combined with 9.4 percent from a year earlier contributes to the Fair asset quality (4.5).
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 12.8 and a capital leverage ratio of 8.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (36%), securities (13%), comm re (13%), comm loans (6%), cash (5%), consumer loans (4%), other (23%)
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
Carroll Financial Services, Inc.
Investment Rating
--
Address
19510 West Main Street
Huntingdon, TN 38344
Huntingdon, TN 38344
Phone Number
(731) 986-4401
Year Founded
1907
FDIC Number
Website
Largest Affiliates
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