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 0.4 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.8 has resulted in Excellent (9.7) profitability. Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5.
Asset Mix:
Home mtgs (23%), comm re (20%), securities (9%), comm loans (6%), consumer loans (3%), cash (2%), home eq lns (1%), other (36%)
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
First Commerce Bancorp, Inc.
Investment Rating
--
Address
500 North Ellington Parkway
Lewisburg, TN 37091
Lewisburg, TN 37091
Phone Number
(931) 359-4322
Year Founded
2002
FDIC Number
Website
Largest Affiliates
No affiliate information available.