Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 12.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.8 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Excellent asset quality (7.7). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.3 has resulted in Good (6.0) profitability.
Asset Mix:
Securities (24%), comm loans (16%), comm re (15%), home mtgs (9%), cash (3%), consumer loans (2%), home eq lns (1%), other (30%)
States with Branches:
KY, 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
Security Bancshares, Inc.
Investment Rating
--
Address
210 West Washington Street
Paris, TN 38242
Paris, TN 38242
Phone Number
(731) 642-6644
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.