Major Rating Factors:
A current level of 17.6 percent of nonperforming loans to core capital combined with 17.8 percent from a year earlier contributes to the Fair asset quality (3.3). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Weak (2.2) profitability.
Other Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) and a capital leverage ratio of 10.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Comm re (16%), home mtgs (15%), cash (9%), securities (4%), comm loans (4%), consumer loans (3%), other (48%)
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
6471 Highway 165
Columbia, LA 71418
Columbia, LA 71418
Phone Number
(318) 649-2351
Year Founded
1902
FDIC Number
Largest Affiliates
Winnsboro, LA
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Bank
Mansfield, LA
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Bank