The Bank of Holly Springs
Major Rating Factors:
A current level of 8.8 percent of nonperforming loans to core capital combined with 8.8 percent from a year earlier contributes to the Fair asset quality (4.8). 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.5. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (6.5) profitability.
Asset Mix:
Home mtgs (23%), comm re (19%), cash (16%), comm loans (10%), securities (7%), consumer loans (6%), home eq lns (1%), other (19%)
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
Holly Springs Bancshares Inc
Investment Rating
--
Address
114 South Memphis Street
Holly Springs, MS 38635
Holly Springs, MS 38635
Phone Number
(662) 252-2512
Year Founded
1869
FDIC Number
Largest Affiliates
No affiliate information available.