Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.9. A current level of 5.4 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (6.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10). Fair liquidity 4.4, driven by a liquidity ratio of 47.6 percent and a “hot money” ratio of 32.3 percent.
Asset Mix:
Securities (38%), cash (16%), home mtgs (12%), comm re (8%), comm loans (6%), consumer loans (4%), home eq lns (1%), other (16%)
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
Investment Rating
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Address
109 West Pine Avenue
Wiggins, MS 39577
Wiggins, MS 39577
Phone Number
(601) 928-5233
Year Founded
1916
FDIC Number
Website
Largest Affiliates
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