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 1.7%, coupled with a return on assets of 1.6 has resulted in Good (6.7) profitability.
Other Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) and a capital leverage ratio of 10.5. A current level of 4.0 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (7.4).
Asset Mix:
Home mtgs (25%), securities (21%), cash (12%), comm re (9%), home eq lns (3%), consumer loans (2%), comm loans (2%), 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
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