Peoples Bank of the South
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 3.6 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Good asset quality (6.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.7 and a capital leverage ratio of 12.1. Operating profits as a percentage of assets at 2.9%, coupled with a return on assets of 2.7 has resulted in Excellent (10.0) profitability.
Asset Mix:
Home mtgs (31%), comm re (27%), securities (9%), cash (4%), home eq lns (4%), comm loans (2%), consumer loans (1%), other (22%)
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
106 West Central Avenue
La Follette, TN 37766
La Follette, TN 37766
Phone Number
(423) 562-4921
Year Founded
1917
FDIC Number
Website
Largest Affiliates
No affiliate information available.