Major Rating Factors:
A current level of 25.6 percent of nonperforming loans to core capital combined with 22.6 percent from a year earlier contributes to the Weak asset quality (2.1). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Very Weak (0.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Home mtgs (21%), comm re (19%), cash (12%), comm loans (7%), securities (3%), consumer loans (2%), other (35%)
States with Branches:
LA
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
Caldwell Holding Company
Investment Rating
--
Address
3540 Front Street
Winnsboro, LA 71295
Winnsboro, LA 71295
Phone Number
(318) 435-0016
Year Founded
1918
FDIC Number
Website
Largest Affiliates
Columbia, LA
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Bank
Mansfield, LA
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Bank