Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (4.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 11.8 and a capital leverage ratio of 8.9. A current level of 0.7 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Good asset quality (5.3).
Asset Mix:
Home mtgs (23%), comm re (18%), consumer loans (16%), securities (7%), comm loans (6%), home eq lns (2%), cash (1%), other (26%)
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
Community National Corporation
Investment Rating
--
Address
19 Natchez Trace Drive
Lexington, TN 38351
Lexington, TN 38351
Phone Number
(731) 968-6624
Year Founded
1961
FDIC Number
Website
Largest Affiliates
No affiliate information available.