Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 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 14.1. A current level of 3.7 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Good asset quality (6.9).
Asset Mix:
Comm re (30%), home mtgs (17%), cash (14%), securities (7%), comm loans (7%), home eq lns (4%), consumer loans (2%), other (21%)
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.