Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.5 and a capital leverage ratio of 12.7. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Excellent asset quality (8.2). 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).
Asset Mix:
Home mtgs (20%), cash (16%), securities (16%), comm re (15%), comm loans (8%), consumer loans (4%), home eq lns (1%), other (21%)
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
Citizens Corporation
Investment Rating
--
Address
814 Main Street
Columbia, MS 39429
Columbia, MS 39429
Phone Number
(601) 736-2601
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.