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 (4.9) profitability. A current level of 26.2 percent of nonperforming loans to core capital combined with 28.6 percent from a year earlier contributes to the Very Weak asset quality (1.0).
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) and a capital leverage ratio of 9.7. 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 (42%), securities (13%), comm re (10%), comm loans (8%), consumer loans (4%), cash (4%), other (19%)
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
There are no affiliate to display.