Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) based on a risk-based capital ratio of 18.4 and a capital leverage ratio of 9.8. A current level of 3.2 percent of nonperforming loans to core capital combined with 7.9 percent from a year earlier contributes to the Good asset quality (6.7).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.4 has resulted in Good (6.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (25%), securities (23%), cash (15%), comm re (14%), comm loans (6%), consumer loans (3%), home eq lns (2%), other (12%)
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
Investment Rating
--
Address
1003 North Pine Street
DeRidder, LA 70634
DeRidder, LA 70634
Phone Number
(337) 463-6231
Year Founded
1934
FDIC Number
Website
Largest Affiliates
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