Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). A current level of 1.5 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.3. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.5) profitability.
Asset Mix:
Comm re (22%), securities (20%), home mtgs (17%), cash (11%), comm loans (9%), home eq lns (3%), consumer loans (2%), other (16%)
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 Southwest Corporation
Investment Rating
--
Address
100 South Broadway Street
McComb, MS 39648
McComb, MS 39648
Phone Number
(601) 684-2231
Year Founded
1895
FDIC Number
Website
Largest Affiliates
No affiliate information available.