Major Rating Factors:
A current level of 20.0 percent of nonperforming loans to core capital combined with 7.7 percent from a year earlier contributes to the Weak asset quality (2.4). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Weak (2.4) profitability.
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) and a capital leverage ratio of 9.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), comm re (25%), comm loans (12%), consumer loans (7%), cash (5%), securities (4%), other (20%)
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
7840 Highway 165
Columbia, LA 71418
Columbia, LA 71418
Phone Number
(318) 649-6124
Year Founded
1986
FDIC Number
Website
Largest Affiliates
No affiliate information available.