Citizens National Bank
Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 15.4 and a capital leverage ratio of 10.6. A current level of 0.3 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Excellent asset quality (7.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (39%), securities (22%), home mtgs (10%), cash (6%), comm loans (5%), home eq lns (2%), consumer loans (0%), other (16%)
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
CNB Bancshares, Inc.
Investment Rating
--
Address
200 Forks of The River Parkway
Sevierville, TN 37862
Sevierville, TN 37862
Phone Number
(865) 453-9031
Year Founded
1973
FDIC Number
Website
Largest Affiliates
No affiliate information available.