Major Rating Factors:
A current level of 22.5 percent of nonperforming loans to core capital combined with 34.0 percent from a year earlier contributes to the Weak asset quality (2.2).
Other Rating Factors:
Fair current capitalization (3.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.5 and a capital leverage ratio of 6.9. Fair liquidity 4.0, driven by a liquidity ratio of 30.2 percent and a “hot money” ratio of 13.8 percent.
Asset Mix:
Comm re (23%), securities (23%), cash (21%), home mtgs (10%), comm loans (5%), consumer loans (0%), other (17%)
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.