Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.7 and a capital leverage ratio of 13.9. A current level of 4.0 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (4.7) profitability.
Asset Mix:
Securities (34%), home mtgs (9%), comm loans (5%), cash (4%), comm re (3%), consumer loans (3%), other (43%)
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
Holmes County Capital Corporation
Investment Rating
--
Address
316 Court Square
Lexington, MS 39095
Lexington, MS 39095
Phone Number
(662) 834-2311
Year Founded
1932
FDIC Number
Website
Largest Affiliates
No affiliate information available.