Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 16.0. A current level of 5.9 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Good asset quality (6.1).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Good (5.8) profitability. 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 (24%), securities (17%), home mtgs (16%), cash (7%), comm loans (5%), consumer loans (2%), other (29%)
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
Gibsland Bancshares, Inc.
Investment Rating
--
Address
1246 South Third Street
Gibsland, LA 71028
Gibsland, LA 71028
Phone Number
(318) 843-6228
Year Founded
1948
FDIC Number
Website
Largest Affiliates
No affiliate information available.