Major Rating Factors:
A current level of 10.7 percent of nonperforming loans to core capital combined with 21.0 percent from a year earlier contributes to the Fair asset quality (3.8). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.1) profitability.
Other Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) and a capital leverage ratio of 10.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Comm re (28%), home mtgs (24%), comm loans (13%), securities (12%), cash (10%), consumer loans (0%), other (13%)
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
222 North New Hampshire Street
Covington, LA 70433
Covington, LA 70433
Phone Number
(985) 892-3776
Year Founded
1946
FDIC Number
Website
Largest Affiliates
No affiliate information available.