Major Rating Factors:
A current level of 10.3 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Fair asset quality (3.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.5 has resulted in Excellent (10.0) profitability. Excellent current capitalization (9.2 on a scale of 0 to 10) and a capital leverage ratio of 10.4.
Asset Mix:
Comm re (21%), cash (19%), home mtgs (10%), comm loans (7%), securities (4%), consumer loans (3%), other (36%)
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
No affiliate information available.