Major Rating Factors:
Excellent current capitalization (9.0 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Good (5.6) profitability. A current level of 11.2 percent of nonperforming loans to core capital combined with 9.0 percent from a year earlier contributes to the Fair asset quality (4.5).
Asset Mix:
Comm re (24%), securities (19%), home mtgs (14%), comm loans (8%), cash (6%), home eq lns (3%), consumer loans (1%), other (25%)
States with Branches:
MS, TN
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
Guaranty Capital Corporation
Investment Rating
--
Address
210 North Hayden Street
Belzoni, MS 39038
Belzoni, MS 39038
Phone Number
(662) 247-1454
Year Founded
1943
FDIC Number
Website
Largest Affiliates
No affiliate information available.