Major Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Fair (4.6) profitability. A current level of 15.7 percent of nonperforming loans to core capital combined with 16.0 percent from a year earlier contributes to the Weak asset quality (1.6).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.8 and a capital leverage ratio of 13.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (71%), securities (14%), cash (6%), home mtgs (3%), comm loans (3%), comm re (2%), other (1%)
States with Branches:
AZ, 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
CB&T Holding Corporation
Investment Rating
--
Address
2201 Veterans Blvd
Metairie, LA 70002
Metairie, LA 70002
Phone Number
(504) 556-5950
Year Founded
1991
FDIC Number
Website
Largest Affiliates
No affiliate information available.