Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.8. A current level of 1.4 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (3.7) profitability.
Asset Mix:
Securities (43%), comm re (16%), home mtgs (14%), comm loans (5%), cash (1%), home eq lns (1%), consumer loans (0%), other (20%)
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 National Holding Company
Investment Rating
--
Address
101 Courthouse Square
Oxford, MS 38655
Oxford, MS 38655
Phone Number
(662) 234-2821
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.