M C Bank & Trust Company
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 43.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.7 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Fair asset quality (4.9). Fair liquidity 4.2, driven by a liquidity ratio of 60.5 percent and a “hot money” ratio of 18.4 percent.
Asset Mix:
Cash (37%), comm re (20%), comm loans (15%), home mtgs (6%), securities (5%), home eq lns (2%), consumer loans (1%), other (14%)
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
MC Bancshares, Inc.
Investment Rating
--
Address
1204 Greenwood Street
Morgan City, LA 70380
Morgan City, LA 70380
Phone Number
(985) 384-2100
Year Founded
1955
FDIC Number
Website
Largest Affiliates
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