Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (3.8) profitability. A current level of 24.4 percent of nonperforming loans to core capital combined with 21.6 percent from a year earlier contributes to the Weak asset quality (1.4).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (39%), securities (17%), cash (10%), comm re (6%), consumer loans (6%), comm loans (4%), other (18%)
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
Homeland Bancshares, Inc.
Investment Rating
--
Address
122 Jefferson Avenue
DeRidder, LA 70634
DeRidder, LA 70634
Phone Number
(337) 463-4493
Year Founded
1948
FDIC Number
Website
Largest Affiliates
No affiliate information available.