Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A current level of 2.6 percent of nonperforming loans to core capital combined with 2.5 percent from a year earlier contributes to the Excellent asset quality (7.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.6 on a scale of 0 to 10). Fair liquidity 3.2, driven by a liquidity ratio of 33.2 percent and a “hot money” ratio of 34.6 percent.
Asset Mix:
Securities (38%), comm loans (17%), comm re (14%), home mtgs (11%), consumer loans (6%), cash (4%), home eq lns (1%), other (10%)
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
Commercial Capital Corporation
Investment Rating
--
Address
175 Hopper Avenue
De Kalb, MS 39328
De Kalb, MS 39328
Phone Number
(601) 743-5871
Year Founded
1914
FDIC Number
Website
Largest Affiliates
No affiliate information available.