Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.7. 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:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Fair (5.0) profitability. A current level of 8.1 percent of nonperforming loans to core capital combined with 20.4 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Securities (24%), cash (16%), comm loans (5%), home mtgs (5%), consumer loans (2%), other (47%)
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
Pyramid Financial Corporation
Investment Rating
--
Address
130 Holland Street
Anguilla, MS 38721
Anguilla, MS 38721
Phone Number
(662) 873-4346
Year Founded
1904
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.