Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 14.0 and a capital leverage ratio of 10.6. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.6 has resulted in Excellent (9.1) profitability.
Other Rating Factors:
A current level of 1.9 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (7.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (36%), home mtgs (15%), securities (8%), comm loans (8%), cash (5%), home eq lns (2%), consumer loans (1%), other (26%)
States with Branches:
KY, NC, 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
Robertson Holding Company, L.P.
Investment Rating
--
Address
6710 Cumberland Gap Parkway
Harrogate, TN 37752
Harrogate, TN 37752
Phone Number
(423) 869-5151
Year Founded
1976
FDIC Number
Website
Largest Affiliates
No affiliate information available.