Southern Heritage Bank
Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) and a capital leverage ratio of 10.5. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (6.8) profitability.
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital combined with 8.7 percent from a year earlier contributes to the Good asset quality (5.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (33%), securities (22%), comm re (19%), comm loans (7%), consumer loans (3%), cash (2%), 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
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