Copiah Bank
Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 11.3. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (8.5).
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 (7.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Fair (3.8) profitability.
Asset Mix:
Securities (28%), comm re (18%), home mtgs (15%), cash (12%), comm loans (3%), home eq lns (2%), consumer loans (2%), 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
Copiah Bancshares, Inc.
Investment Rating
--
Address
101 Caldwell Drive
Hazlehurst, MS 39083
Hazlehurst, MS 39083
Phone Number
(601) 894-2831
Year Founded
1891
FDIC Number
Website
Largest Affiliates
No affiliate information available.