Major 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 (9.8) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.4 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.5 on a scale of 0 to 10) based on a risk-based capital ratio of 13.0 and a capital leverage ratio of 9.3. A current level of 7.5 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (5.4).
Asset Mix:
Comm re (31%), comm loans (18%), securities (9%), cash (8%), home mtgs (8%), consumer loans (1%), other (26%)
States with Branches:
LA, TX
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
Sabine Bancshares, Inc.
Investment Rating
--
Address
297 Elizabeth Street
Many, LA 71449
Many, LA 71449
Phone Number
(318) 256-7000
Year Founded
1901
FDIC Number
Website
Largest Affiliates
No affiliate information available.