Major Rating Factors:
A current level of 0.5 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (9.7). Excellent current capitalization (9.3 on a scale of 0 to 10) based on a risk-based capital ratio of 19.1 and a capital leverage ratio of 10.5.
Other Rating Factors:
Good liquidity 6.0, driven by a liquidity ratio of 72.6 percent and a “hot money” ratio of 21.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Asset Mix:
Securities (40%), cash (26%), comm re (8%), home mtgs (5%), home eq lns (2%), comm loans (2%), consumer loans (1%), other (17%)
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
F & M Bancshares, 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.