Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 22.7 and a capital leverage ratio of 13.8. A current level of 0.8 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Good (5.7) profitability.
Asset Mix:
Comm re (34%), securities (32%), cash (9%), home mtgs (8%), comm loans (5%), home eq lns (1%), consumer loans (0%), 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
Twin Cities Financial Services, Inc.
Investment Rating
--
Address
330 East Broadway Avenue
Maryville, TN 37804
Maryville, TN 37804
Phone Number
(865) 977-5900
Year Founded
1973
FDIC Number
Website
Largest Affiliates
No affiliate information available.