Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (5.0) profitability. A current level of 12.0 percent of nonperforming loans to core capital combined with 9.8 percent from a year earlier contributes to the Fair asset quality (4.6).
Other Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) and a capital leverage ratio of 10.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (37%), cash (14%), securities (12%), comm re (9%), consumer loans (3%), comm loans (2%), other (22%)
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
Caldwell Holding Company
Investment Rating
--
Address
300 Washington Avenue
Mansfield, LA 71052
Mansfield, LA 71052
Phone Number
(318) 872-3661
Year Founded
1983
FDIC Number
Largest Affiliates
Columbia, LA
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Bank
Winnsboro, LA
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Bank