Major Rating Factors:
A current level of 12.2 percent of nonperforming loans to core capital combined with 11.3 percent from a year earlier contributes to the Fair asset quality (5.0). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.4) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 13.9. 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 (43%), securities (14%), comm re (13%), cash (7%), consumer loans (4%), comm loans (2%), other (17%)
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
Investment Rating
--
Address
1725 Sullivan Drive
Bogalusa, LA 70427
Bogalusa, LA 70427
Phone Number
(985) 735-6555
Year Founded
1946
FDIC Number
Website
Largest Affiliates
No affiliate information available.