Major Rating Factors:
A current level of 9.7 percent of nonperforming loans to core capital combined with 6.8 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.4 and a capital leverage ratio of 12.2. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Excellent (7.1) profitability.
Asset Mix:
Home mtgs (16%), securities (12%), comm re (11%), cash (10%), comm loans (7%), consumer loans (3%), other (42%)
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
Winnsboro Bancshares, Inc.
Investment Rating
--
Address
3875 Front Street
Winnsboro, LA 71295
Winnsboro, LA 71295
Phone Number
(318) 435-7535
Year Founded
1902
FDIC Number
Website
Largest Affiliates
No affiliate information available.