Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a risk-based capital ratio of 19.6 and a capital leverage ratio of 10.9. A current level of 0.7 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (9.6).
Other Rating Factors:
Good liquidity 5.3, driven by a liquidity ratio of 59.3 percent and a “hot money” ratio of 25.2 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Securities (46%), cash (17%), comm re (9%), home mtgs (6%), home eq lns (3%), comm loans (2%), consumer loans (1%), other (15%)
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
WestTenn Bancorp Inc.
Investment Rating
--
Address
420 Oil Well Road
Jackson, TN 38305
Jackson, TN 38305
Phone Number
(731) 660-8000
Year Founded
1996
FDIC Number
Website
Largest Affiliates
No affiliate information available.