Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) and a capital leverage ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.2) profitability. A current level of 3.8 percent of nonperforming loans to core capital combined with 0.1 percent from a year earlier contributes to the Good asset quality (6.3).
Asset Mix:
Securities (28%), comm re (16%), home mtgs (14%), cash (13%), comm loans (5%), consumer loans (5%), home eq lns (1%), other (18%)
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 Federal Bancorp
Investment Rating
--
Address
1075 Highway 98 Bypass
Columbia, MS 39429
Columbia, MS 39429
Phone Number
(601) 736-6378
Year Founded
1960
FDIC Number
Website
Largest Affiliates
No affiliate information available.