Major 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 (9.6 on a scale of 0 to 10). Excellent current capitalization (9.3 on a scale of 0 to 10) based on a risk-based capital ratio of 14.1 and a capital leverage ratio of 10.6.
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Good asset quality (5.9). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (4.1) profitability.
Asset Mix:
Home mtgs (20%), comm re (19%), securities (17%), comm loans (16%), cash (3%), home eq lns (2%), consumer loans (0%), other (23%)
States with Branches:
AL, AR, FL, GA, LA, MO, MS, OK, TN, TX
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
Investment Rating
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Address
One Mississippi Plaza
Tupelo, MS 38804
Tupelo, MS 38804
Phone Number
(662) 680-2000
Year Founded
FDIC Number
Website
Largest Affiliates
No affiliate information available.