Southern Bank of Tennessee
Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.6). Excellent current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.5 and a capital leverage ratio of 9.0.
Asset Mix:
Comm re (26%), home mtgs (24%), securities (10%), cash (9%), home eq lns (7%), comm loans (6%), consumer loans (2%), 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
Investment Rating
--
Address
675 North Mount Juliet Road
Mount Juliet, TN 37122
Mount Juliet, TN 37122
Phone Number
(615) 758-6600
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.