Bank of St. Francisville
Major Rating Factors:
Excellent current capitalization (8.3 on a scale of 0 to 10) and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.8) profitability.
Other Rating Factors:
A current level of 6.5 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Good asset quality (5.1). 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 (25%), comm re (23%), securities (13%), cash (11%), comm loans (6%), home eq lns (3%), consumer loans (1%), other (18%)
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
Saint Francisville Bancshares, Inc.
Investment Rating
--
Address
5700 Commerce Street
Saint Francisville, LA 70775
Saint Francisville, LA 70775
Phone Number
(225) 635-6397
Year Founded
1978
FDIC Number
Website
Largest Affiliates
No affiliate information available.