Major Rating Factors:
A current level of 8.2 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Good asset quality (5.9). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (6.1) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.9 on a scale of 0 to 10). Excellent current capitalization (8.2 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 9.8.
Asset Mix:
Comm re (18%), home mtgs (17%), cash (12%), securities (11%), comm loans (9%), home eq lns (4%), consumer loans (3%), other (26%)
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
F & M Bancshares, Inc.
Investment Rating
--
Address
5420 Broad Street, South
Trezevant, TN 38258
Trezevant, TN 38258
Phone Number
(731) 669-3900
Year Founded
1916
FDIC Number
Website
Largest Affiliates
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