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 (4.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.7) profitability.
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 22.3 and a capital leverage ratio of 10.9. A current level of 2.1 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Securities (44%), home mtgs (19%), cash (5%), comm re (4%), comm loans (2%), consumer loans (2%), other (24%)
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
Jamestown Union Bancshares, Inc.
Investment Rating
--
Address
311 North Main Street
Jamestown, TN 38556
Jamestown, TN 38556
Phone Number
(931) 879-8111
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.