Major Rating Factors:
A current level of 25.4 percent of nonperforming loans to core capital combined with 27.1 percent from a year earlier contributes to the Weak asset quality (2.1). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Good (5.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.2 and a capital leverage ratio of 14.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Home mtgs (15%), securities (12%), comm re (7%), cash (7%), comm loans (6%), consumer loans (3%), other (51%)
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
CB&T Bancshares, Inc.
Investment Rating
--
Address
239 East Main Street
Marks, MS 38646
Marks, MS 38646
Phone Number
(662) 326-8047
Year Founded
1917
FDIC Number
Website
Largest Affiliates
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