Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Fair (4.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.4 and a capital leverage ratio of 15.9. A current level of 0.6 percent of nonperforming loans to core capital combined with 0.5 percent from a year earlier contributes to the Excellent asset quality (7.9).
Asset Mix:
Comm re (29%), comm loans (21%), cash (17%), securities (10%), home mtgs (7%), home eq lns (1%), consumer loans (0%), other (15%)
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
Axxess Partners, Inc.
Investment Rating
--
Address
600 East Main Street
Oak Grove, LA 71263
Oak Grove, LA 71263
Phone Number
(318) 428-8388
Year Founded
1999
FDIC Number
Website
Largest Affiliates
No affiliate information available.