Major Rating Factors:
Excellent current capitalization (8.6 on a scale of 0 to 10) based on a risk-based capital ratio of 23.2 and a capital leverage ratio of 10.0. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.2) profitability.
Other Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 1.7 percent from a year earlier contributes to the Good asset quality (5.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (24%), cash (18%), home mtgs (16%), consumer loans (4%), comm loans (4%), comm re (2%), other (32%)
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
Franklin Bancorp, Inc.
Investment Rating
--
Address
802 Prairie Street
Winnsboro, LA 71295
Winnsboro, LA 71295
Phone Number
(318) 435-3711
Year Founded
1908
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.