Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Weak (2.9) profitability.
Other Rating Factors:
Good current capitalization (6.9 on a scale of 0 to 10) based on a risk-based capital ratio of 18.3 and a capital leverage ratio of 8.9. A current level of 11.2 percent of nonperforming loans to core capital combined with 1.2 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Home mtgs (41%), securities (28%), cash (10%), comm loans (4%), comm re (4%), consumer loans (2%), home eq lns (1%), other (9%)
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
Patterson Bancshares, Inc.
Investment Rating
--
Address
1130 Highway 90 West
Patterson, LA 70392
Patterson, LA 70392
Phone Number
(985) 395-6131
Year Founded
1925
FDIC Number
Largest Affiliates
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