Southern Heritage Bank
Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 5.9 percent of nonperforming loans to core capital combined with 3.0 percent from a year earlier contributes to the Good asset quality (5.4). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.2 has resulted in Fair (4.8) profitability.
Asset Mix:
Home mtgs (31%), securities (22%), comm re (20%), comm loans (7%), cash (3%), consumer loans (3%), home eq lns (1%), other (13%)
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
SHB Bancorp, Inc.
Investment Rating
--
Address
1201 Fourth Street
Jonesville, LA 71343
Jonesville, LA 71343
Phone Number
(318) 339-8505
Year Founded
1972
FDIC Number
Website
Largest Affiliates
No affiliate information available.