Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (4.6) profitability. A current level of 13.3 percent of nonperforming loans to core capital combined with 19.8 percent from a year earlier contributes to the Fair asset quality (3.9).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) and a capital leverage ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10).
Asset Mix:
Home mtgs (29%), comm re (17%), securities (12%), comm loans (8%), cash (5%), consumer loans (4%), home eq lns (4%), other (22%)
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
Clinton Bancshares, Inc.
Investment Rating
--
Address
12225 Saint Helena Street
Clinton, LA 70722
Clinton, LA 70722
Phone Number
(225) 683-3371
Year Founded
1897
FDIC Number
Website
Largest Affiliates
No affiliate information available.