Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 35.5 and a capital leverage ratio of 13.1. A current level of 3.3 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 46.7 percent and a “hot money” ratio of 17.4 percent.
Asset Mix:
Securities (55%), home mtgs (20%), comm re (7%), cash (6%), consumer loans (3%), comm loans (2%), other (8%)
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
Bancorp of Winona, Inc.
Investment Rating
--
Address
312 North Applegate Street
Winona, MS 38967
Winona, MS 38967
Phone Number
(662) 283-3231
Year Founded
1885
FDIC Number
Website
Largest Affiliates
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