Major Rating Factors:
A current level of 15.1 percent of nonperforming loans to core capital combined with 7.5 percent from a year earlier contributes to the Fair asset quality (4.3). Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 8.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.7 has resulted in Excellent (7.1) profitability.
Asset Mix:
Comm re (31%), comm loans (17%), home mtgs (9%), securities (8%), cash (7%), consumer loans (1%), other (28%)
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
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