Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 20.3 and a capital leverage ratio of 12.1. A current level of 1.5 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (9.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.4) profitability.
Asset Mix:
Home mtgs (29%), securities (23%), comm re (18%), cash (5%), comm loans (2%), consumer loans (1%), home eq lns (1%), other (21%)
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
Zachary Bancshares, Inc.
Investment Rating
--
Address
4743 Main Street
Zachary, LA 70791
Zachary, LA 70791
Phone Number
(225) 654-2701
Year Founded
1904
FDIC Number
Website
Largest Affiliates
No affiliate information available.