Bank of Lincoln County
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 0.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.7 has resulted in Excellent (9.5) profitability.
Asset Mix:
Comm re (23%), home mtgs (19%), securities (11%), cash (6%), comm loans (4%), home eq lns (2%), consumer loans (2%), other (33%)
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
BOLC Corp.
Investment Rating
--
Address
307 College Street, East
Fayetteville, TN 37334
Fayetteville, TN 37334
Phone Number
(931) 433-1708
Year Founded
2002
FDIC Number
Website
Largest Affiliates
No affiliate information available.