Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.1 and a capital leverage ratio of 9.5. A current level of 2.8 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Good asset quality (6.6).
Asset Mix:
Securities (46%), home mtgs (15%), cash (8%), consumer loans (7%), comm re (6%), comm loans (5%), home eq lns (2%), other (11%)
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
Great Southern Capital Corporation
Investment Rating
--
Address
218 22nd Avenue, South
Meridian, MS 39301
Meridian, MS 39301
Phone Number
(601) 693-5141
Year Founded
1902
FDIC Number
Website
Largest Affiliates
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