Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.5. A current level of 2.7 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Excellent asset quality (7.9).
Other Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (7.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Securities (36%), home mtgs (17%), comm re (16%), comm loans (7%), home eq lns (4%), cash (3%), consumer loans (1%), other (15%)
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
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