Major Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a risk-based capital ratio of 22.7 and a capital leverage ratio of 10.6. A current level of 1.5 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.7).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 47.1 percent and a “hot money” ratio of 33.3 percent.
Asset Mix:
Securities (50%), home mtgs (16%), comm re (9%), comm loans (5%), cash (4%), consumer loans (4%), other (13%)
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
The Peoples Corporation
Investment Rating
--
Address
305 East Jefferson Street
Ripley, MS 38663
Ripley, MS 38663
Phone Number
(662) 837-8191
Year Founded
1925
FDIC Number
Website
Largest Affiliates
No affiliate information available.