Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital combined with 6.4 percent from a year earlier contributes to the Good asset quality (6.2). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (5.0) profitability.
Asset Mix:
Securities (35%), comm re (17%), home mtgs (17%), cash (9%), comm loans (6%), consumer loans (1%), other (14%)
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
BOA Financial Corporation
Investment Rating
--
Address
123 Concord Street
Abbeville, LA 70510
Abbeville, LA 70510
Phone Number
(337) 893-0257
Year Founded
1894
FDIC Number
Website
Largest Affiliates
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