Major Rating Factors:
A current level of 9.3 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Fair asset quality (4.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Excellent (7.8) profitability. Good current capitalization (7.0 on a scale of 0 to 10) and a capital leverage ratio of 10.0.
Asset Mix:
Securities (19%), home mtgs (19%), comm re (15%), comm loans (7%), cash (6%), home eq lns (2%), consumer loans (1%), other (31%)
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.