Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.2. A current level of 1.5 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (9.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 25.2 percent and a “hot money” ratio of 17.0 percent.
Asset Mix:
Securities (49%), home mtgs (19%), comm re (10%), cash (6%), comm loans (2%), consumer loans (1%), home eq lns (1%), other (12%)
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
Citizens of Grainger County Corporation
Investment Rating
--
Address
8335 Rutledge Pike
Rutledge, TN 37861
Rutledge, TN 37861
Phone Number
(865) 828-5237
Year Founded
1919
FDIC Number
Website
Largest Affiliates
No affiliate information available.