The Jefferson Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 0.9 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.0 and a capital leverage ratio of 19.6. Operating profits as a percentage of assets at 3.0%, coupled with a return on assets of 2.2 has resulted in Excellent (8.5) profitability.
Asset Mix:
Comm re (20%), securities (16%), cash (10%), comm loans (6%), home mtgs (6%), other (42%)
States with Branches:
MS
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
Southeast Arkansas Bank Corporation
Investment Rating
--
Address
3008 East Reed Road
Greenville, MS 38703
Greenville, MS 38703
Phone Number
(662) 332-7545
Year Founded
1900
FDIC Number
Website
Largest Affiliates
Lake Village, AR
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Bank