Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Weak (2.2) profitability. A current level of 4.1 percent of nonperforming loans to core capital combined with 4.8 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Asset Mix:
Comm re (27%), securities (22%), home mtgs (13%), comm loans (7%), cash (4%), home eq lns (3%), consumer loans (3%), other (21%)
States with Branches:
LA, 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
Southwest Security, Inc.
Investment Rating
--
Address
75 Melrose-Montebello Parkway
Natchez, MS 39120
Natchez, MS 39120
Phone Number
(601) 445-7000
Year Founded
1973
FDIC Number
Website
Largest Affiliates
No affiliate information available.