Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Fair (4.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.2. A current level of 3.4 percent of nonperforming loans to core capital combined with 4.3 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Home mtgs (27%), securities (20%), comm re (17%), comm loans (5%), cash (4%), consumer loans (4%), other (23%)
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
Pontotoc Bancshares Corp.
Investment Rating
--
Address
19 South Main Street
Pontotoc, MS 38863
Pontotoc, MS 38863
Phone Number
(662) 489-1631
Year Founded
1900
FDIC Number
Website
Largest Affiliates
No affiliate information available.