Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.0. A current level of 3.8 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Comm re (30%), home mtgs (18%), cash (13%), securities (8%), comm loans (7%), home eq lns (3%), consumer loans (2%), other (20%)
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
Investment Rating
--
Address
155 N. Campbell Station Road
Knoxville, TN 37934
Knoxville, TN 37934
Phone Number
(423) 784-9446
Year Founded
1918
FDIC Number
Website
Largest Affiliates
No affiliate information available.