Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.3). Good current capitalization (5.9 on a scale of 0 to 10) based on a risk-based capital ratio of 16.0 and a capital leverage ratio of 7.9.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.6) profitability. Fair liquidity 3.9, driven by a liquidity ratio of 42.0 percent and a “hot money” ratio of 27.3 percent.
Asset Mix:
Securities (26%), cash (20%), home mtgs (20%), comm re (15%), comm loans (4%), home eq lns (4%), consumer loans (1%), other (10%)
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
Hometown Bancorp, Inc.
Investment Rating
--
Address
2011 East Van Hook Street
Milan, TN 38358
Milan, TN 38358
Phone Number
(731) 686-2255
Year Founded
1993
FDIC Number
Website
Largest Affiliates
No affiliate information available.