Major Rating Factors:
A current level of 41.2 percent of nonperforming loans to core capital combined with 17.8 percent from a year earlier contributes to the Weak asset quality (1.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 11.5. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 2.0 has resulted in Excellent (8.8) profitability.
Asset Mix:
Comm re (22%), home mtgs (12%), cash (11%), comm loans (6%), securities (5%), consumer loans (2%), other (41%)
States with Branches:
AR, 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
Capital Bancorp, Inc.
Investment Rating
--
Address
311 Broadway Street
Delhi, LA 71232
Delhi, LA 71232
Phone Number
(318) 878-2274
Year Founded
1999
FDIC Number
Website
Largest Affiliates
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