Major Rating Factors:
A current level of 12.5 percent of nonperforming loans to core capital combined with 11.8 percent from a year earlier contributes to the Weak asset quality (2.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.6. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Good (5.7) profitability.
Asset Mix:
Comm re (21%), home mtgs (15%), cash (7%), securities (4%), comm loans (3%), consumer loans (3%), other (47%)
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
202 Main Street
Columbia, LA 71418
Columbia, LA 71418
Phone Number
(318) 649-2351
Year Founded
1902
FDIC Number
Largest Affiliates
Winnsboro, LA
-
Bank
Mansfield, LA
-
Bank