Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 7.7.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10). Fair liquidity 3.1, driven by a liquidity ratio of 26.3 percent and a “hot money” ratio of 16.6 percent.
Asset Mix:
Comm re (29%), cash (16%), securities (14%), home mtgs (11%), comm loans (6%), consumer loans (1%), other (23%)
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.