Major Rating Factors:
A current level of 17.6 percent of nonperforming loans to core capital combined with 23.5 percent from a year earlier contributes to the Weak asset quality (2.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.6) profitability.
Asset Mix:
Comm re (20%), home mtgs (14%), cash (8%), securities (4%), comm loans (3%), consumer loans (2%), 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
202 Main Street
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