Major Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.7 has resulted in Excellent (7.3) profitability. A current level of 3.5 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (7.0).
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) and a capital leverage ratio of 10.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (24%), securities (22%), cash (16%), comm re (9%), home eq lns (2%), consumer loans (2%), comm loans (1%), other (25%)
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.