Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A current level of 9.2 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Good asset quality (6.0).
Asset Mix:
Home mtgs (32%), securities (22%), comm re (18%), comm loans (5%), cash (3%), consumer loans (3%), home eq lns (1%), other (16%)
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
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Bank