Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital combined with 9.3 percent from a year earlier contributes to the Excellent asset quality (7.5). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.7) profitability.
Asset Mix:
Securities (46%), comm re (14%), home mtgs (12%), comm loans (6%), cash (5%), home eq lns (3%), consumer loans (1%), other (12%)
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
RiverHills Capital Corporation
Investment Rating
--
Address
1400 Highway 61 North
Vicksburg, MS 39183
Vicksburg, MS 39183
Phone Number
(601) 636-1445
Year Founded
1890
FDIC Number
Website
Largest Affiliates
No affiliate information available.