Major Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Fair (4.5) profitability. 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).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.0. A current level of 3.5 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Excellent asset quality (8.2).
Asset Mix:
Home mtgs (29%), comm re (14%), cash (13%), securities (12%), comm loans (4%), consumer loans (3%), home eq lns (2%), other (23%)
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
No affiliate information available.