Major Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Excellent (9.8) profitability. Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.3 on a scale of 0 to 10). A current level of 13.4 percent of nonperforming loans to core capital combined with 8.7 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Securities (16%), comm re (15%), home mtgs (12%), cash (7%), comm loans (5%), consumer loans (0%), other (44%)
States with Branches:
TX
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
Louise Bancshares, Inc.
Investment Rating
--
Address
206 North Street
Louise, TX 77455
Louise, TX 77455
Phone Number
(979) 648-2691
Year Founded
1956
FDIC Number
Website
Largest Affiliates
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