Gulf Coast Bank and Trust Company
Major Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Fair (4.6) profitability. A current level of 17.3 percent of nonperforming loans to core capital combined with 15.5 percent from a year earlier contributes to the Fair asset quality (4.1).
Other Rating Factors:
Good current capitalization (6.5 on a scale of 0 to 10) based on a risk-based capital ratio of 12.4 and a capital leverage ratio of 8.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Comm loans (26%), securities (20%), comm re (14%), home mtgs (12%), cash (6%), home eq lns (3%), consumer loans (1%), other (19%)
States with Branches:
LA, MN
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
Investment Rating
--
Address
200 Saint Charles Avenue
New Orleans, LA 70130
New Orleans, LA 70130
Phone Number
(504) 561-6100
Year Founded
1883
FDIC Number
Website
Largest Affiliates
No affiliate information available.