Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 12.9 and a capital leverage ratio of 9.9. A current level of 4.7 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (7.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.2) profitability.
Asset Mix:
Home mtgs (23%), comm re (23%), securities (19%), comm loans (5%), home eq lns (5%), cash (3%), consumer loans (2%), other (19%)
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
TriStar Bancshares, Inc.
Investment Rating
--
Address
719 East College Street
Dickson, TN 37055
Dickson, TN 37055
Phone Number
(615) 446-7100
Year Founded
2000
FDIC Number
Website
Largest Affiliates
No affiliate information available.