Major Rating Factors:
A current level of 28.3 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Weak asset quality (2.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.6 has resulted in Good (7.0) profitability. Good current capitalization (6.2 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 8.2.
Asset Mix:
Home mtgs (39%), cash (25%), comm re (22%), comm loans (2%), securities (1%), consumer loans (1%), other (11%)
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
Delhi Bancshares, Inc.
Investment Rating
--
Address
120 Oak Street
Delhi, LA 71232
Delhi, LA 71232
Phone Number
(318) 878-3703
Year Founded
1966
FDIC Number
Website
Largest Affiliates
No affiliate information available.