Major Rating Factors:
A current level of 14.1 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Fair asset quality (3.4). Good current capitalization (6.8 on a scale of 0 to 10) and a capital leverage ratio of 9.5.
Other Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.9 has resulted in Excellent (8.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Securities (20%), home mtgs (20%), comm re (16%), comm loans (7%), cash (2%), home eq lns (2%), consumer loans (1%), other (33%)
States with Branches:
LA, MS
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
Central Louisiana Capital Corporation
Investment Rating
--
Address
1617 Carter Street
Vidalia, LA 71373
Vidalia, LA 71373
Phone Number
(318) 336-7173
Year Founded
1973
FDIC Number
Website
Largest Affiliates
No affiliate information available.