Major Rating Factors:
A current level of 13.7 percent of nonperforming loans to core capital combined with 20.9 percent from a year earlier contributes to the Weak asset quality (1.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.8. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.5 has resulted in Excellent (7.7) profitability.
Asset Mix:
Comm re (42%), home mtgs (12%), comm loans (7%), cash (4%), securities (3%), home eq lns (1%), consumer loans (0%), other (30%)
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
Louisiana Bancshares, Inc.
Investment Rating
--
Address
2001 North Trenton Street
Ruston, LA 71270
Ruston, LA 71270
Phone Number
(318) 255-8482
Year Founded
1905
FDIC Number
Website
Largest Affiliates
No affiliate information available.