Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 15.3. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.8 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (8.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Securities (36%), comm re (22%), comm loans (15%), home mtgs (7%), cash (6%), home eq lns (2%), consumer loans (2%), other (10%)
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
South Louisiana Financial Corporation
Investment Rating
--
Address
1362 West Tunnel Boulevard
Houma, LA 70360
Houma, LA 70360
Phone Number
(985) 851-3434
Year Founded
1980
FDIC Number
Website
Largest Affiliates
There are no affiliate to display.