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 (4.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Fair (3.6) profitability.
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) and a capital leverage ratio of 10.1. A current level of 4.2 percent of nonperforming loans to core capital combined with 13.5 percent from a year earlier contributes to the Good asset quality (5.6).
Asset Mix:
Home mtgs (33%), securities (17%), comm re (17%), comm loans (6%), cash (3%), consumer loans (2%), other (21%)
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
1st Jackson Bancshares, Inc.
Investment Rating
--
Address
34910 Highway 104 South
Sardis, TN 38371
Sardis, TN 38371
Phone Number
(731) 858-2661
Year Founded
1920
FDIC Number
Largest Affiliates
Stevenson, AL
-
Bank