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 1.6%, coupled with a return on assets of 1.5 has resulted in Good (6.6) profitability.
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A current level of 3.6 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Securities (25%), home mtgs (24%), cash (11%), comm re (8%), consumer loans (2%), home eq lns (2%), comm loans (1%), other (27%)
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
Southeastern Bancorp, Inc.
Investment Rating
--
Address
611 East College Street
Dickson, TN 37055
Dickson, TN 37055
Phone Number
(615) 446-2822
Year Founded
1936
FDIC Number
Website
Largest Affiliates
No affiliate information available.