First Security Bank
Major Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 15.3 and a capital leverage ratio of 9.2. 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 4.0 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Good asset quality (6.0). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.1) profitability.
Asset Mix:
Securities (30%), comm re (21%), home mtgs (16%), comm loans (4%), home eq lns (3%), consumer loans (3%), cash (2%), other (23%)
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
Security Capital Corporation
Investment Rating
--
Address
295 Highway Six West
Batesville, MS 38606
Batesville, MS 38606
Phone Number
(662) 563-9311
Year Founded
1952
FDIC Number
Website
Largest Affiliates
No affiliate information available.