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 (3.7 on a scale of 0 to 10). A current level of 2.2 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.0).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.3 and a capital leverage ratio of 12.4. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.7 has resulted in Excellent (9.1) profitability.
Asset Mix:
Comm loans (21%), comm re (17%), home mtgs (13%), cash (11%), securities (6%), consumer loans (4%), other (27%)
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
P B Bancshares, Inc.
Investment Rating
--
Address
129 Main Street
Clifton, TN 38425
Clifton, TN 38425
Phone Number
(931) 676-3311
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.