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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Excellent (7.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.8. A current level of 4.1 percent of nonperforming loans to core capital combined with 13.1 percent from a year earlier contributes to the Excellent asset quality (8.0).
Asset Mix:
Home mtgs (29%), comm re (13%), securities (11%), cash (9%), comm loans (4%), home eq lns (3%), consumer loans (3%), other (29%)
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
Feliciana Bancshares, Inc.
Investment Rating
--
Address
10926 Plank Road
Clinton, LA 70722
Clinton, LA 70722
Phone Number
(225) 683-8565
Year Founded
1904
FDIC Number
Website
Largest Affiliates
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