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 2.1, driven by a liquidity ratio of 30.5 percent and a “hot money” ratio of 23.4 percent. Good current capitalization (5.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 7.5.
Asset Mix:
Cash (22%), home mtgs (20%), securities (16%), comm re (13%), home eq lns (7%), comm loans (4%), consumer loans (0%), other (17%)
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.