Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.4, driven by a liquidity ratio of 25.3 percent and a “hot money” ratio of 25.0 percent. Good current capitalization (5.1 on a scale of 0 to 10) based on a risk-based capital ratio of 11.8 and a capital leverage ratio of 7.1.
Asset Mix:
Home mtgs (20%), cash (18%), securities (17%), comm re (13%), home eq lns (7%), comm loans (5%), consumer loans (1%), other (20%)
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
Lineage Financial Network, Inc.
Investment Rating
--
Address
3359 Aspen Grove Drive
Franklin, TN 37067
Franklin, TN 37067
Phone Number
(629) 248-9092
Year Founded
1927
FDIC Number
Website
Largest Affiliates
No affiliate information available.