Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.2 and a capital leverage ratio of 11.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Good (5.5) profitability.
Asset Mix:
Comm re (25%), securities (25%), home mtgs (13%), comm loans (7%), cash (3%), home eq lns (2%), consumer loans (1%), other (23%)
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
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