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). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (6.5) profitability.
Other Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A current level of 0.6 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (8.1).
Asset Mix:
Comm re (31%), comm loans (16%), cash (14%), home mtgs (9%), home eq lns (5%), consumer loans (4%), securities (3%), other (18%)
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 Freedom Bancshares, Inc.
Investment Rating
--
Address
1620 West Main Street
Lebanon, TN 37087
Lebanon, TN 37087
Phone Number
(615) 444-1280
Year Founded
2006
FDIC Number
Website
Largest Affiliates
No affiliate information available.