First State Bank
Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) and a capital leverage ratio of 10.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.5 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Good asset quality (5.3). Fair liquidity 3.5, driven by a liquidity ratio of 28.9 percent and a “hot money” ratio of 20.3 percent.
Asset Mix:
Securities (33%), comm re (18%), home mtgs (14%), cash (7%), comm loans (6%), consumer loans (2%), home eq lns (1%), other (20%)
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
First State Corporation
Investment Rating
--
Address
708 Azalea Drive
Waynesboro, MS 39367
Waynesboro, MS 39367
Phone Number
(601) 735-3124
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.