Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 16.1 and a capital leverage ratio of 11.4. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.0 has resulted in Excellent (8.8) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (28%), comm loans (20%), securities (14%), cash (12%), home mtgs (12%), home eq lns (1%), consumer loans (1%), other (13%)
States with Branches:
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
Financial Corporation of Louisiana
Investment Rating
--
Address
128 North Parkerson Avenue
Crowley, LA 70526
Crowley, LA 70526
Phone Number
(337) 783-4014
Year Founded
1924
FDIC Number
Website
Largest Affiliates
Rayne, LA
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Bank