Major Rating Factors:
A current level of 35.2 percent of nonperforming loans to core capital combined with 18.5 percent from a year earlier contributes to the Weak asset quality (1.1).
Other Rating Factors:
Fair liquidity 3.5, driven by a liquidity ratio of 25.8 percent and a “hot money” ratio of 15.3 percent. Fair current capitalization (4.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.1 and a capital leverage ratio of 7.7.
Asset Mix:
Comm re (27%), cash (18%), securities (17%), home mtgs (11%), comm loans (6%), consumer loans (1%), other (21%)
States with Branches:
KY, LA, TX, WV
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
Smith & Hood Holding Company, L.L.C.
Investment Rating
--
Address
400 East Thomas Street
Hammond, LA 70401
Hammond, LA 70401
Phone Number
(985) 345-7685
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.