Major Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 10.1. A current level of 3.3 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.0) profitability.
Asset Mix:
Securities (28%), comm re (25%), home mtgs (11%), comm loans (6%), cash (5%), home eq lns (2%), consumer loans (1%), other (22%)
States with Branches:
LA, MS, TN
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
Planters Holding Company
Investment Rating
--
Address
212 Catchings Avenue
Indianola, MS 38751
Indianola, MS 38751
Phone Number
(662) 887-3363
Year Founded
1920
FDIC Number
Website
Largest Affiliates
No affiliate information available.