Major Rating Factors:
A current level of 11.2 percent of nonperforming loans to core capital combined with 13.7 percent from a year earlier contributes to the Fair asset quality (3.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.5. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 1.9 has resulted in Excellent (9.1) profitability.
Asset Mix:
Comm re (39%), home mtgs (10%), comm loans (9%), securities (3%), cash (2%), home eq lns (2%), consumer loans (0%), other (34%)
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
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