Major Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7. 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).
Other Rating Factors:
A current level of 3.1 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Good asset quality (5.8). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (5.2) profitability.
Asset Mix:
Securities (22%), home mtgs (19%), comm re (16%), cash (6%), comm loans (6%), consumer loans (5%), home eq lns (2%), other (25%)
States with Branches:
AL, 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
Bancorp of Lucedale, Inc.
Investment Rating
--
Address
4282 Main Street
Lucedale, MS 39452
Lucedale, MS 39452
Phone Number
(601) 947-3418
Year Founded
1903
FDIC Number
Website
Largest Affiliates
No affiliate information available.