Major Rating Factors:
A current level of 10.7 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Very Weak (0.8) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.5. 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).
Asset Mix:
Home mtgs (27%), comm loans (18%), comm re (15%), securities (14%), consumer loans (4%), cash (2%), home eq lns (1%), other (19%)
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
Lafourche Bancshares, Inc.
Investment Rating
--
Address
13226 West Main Street
Larose, LA 70373
Larose, LA 70373
Phone Number
(985) 693-3174
Year Founded
1967
FDIC Number
Website
Largest Affiliates
No affiliate information available.