Bank of Kilmichael
Major Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital combined with 17.1 percent from a year earlier contributes to the Fair asset quality (4.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.8 on a scale of 0 to 10) and a capital leverage ratio of 9.3. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Good (5.2) profitability.
Asset Mix:
Securities (31%), home mtgs (19%), comm re (15%), comm loans (9%), consumer loans (4%), cash (2%), other (20%)
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
Kilmichael Bancorp, Inc.
Investment Rating
--
Address
120 North Depot Avenue
Kilmichael, MS 39747
Kilmichael, MS 39747
Phone Number
(662) 262-7844
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.