Major Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (8.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.4 and a capital leverage ratio of 8.3. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Fair (4.3) profitability.
Asset Mix:
Home mtgs (23%), securities (20%), comm re (18%), cash (9%), comm loans (6%), home eq lns (4%), consumer loans (2%), other (18%)
States with Branches:
AL, FL, 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
Community Bancshares of Mississippi, Inc.
Investment Rating
--
Address
1905 Community Bank Way
Flowood, MS 39232
Flowood, MS 39232
Phone Number
(601) 919-4200
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.