Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 5.3 percent of nonperforming loans to core capital combined with 8.2 percent from a year earlier contributes to the Good asset quality (5.7).
Other Rating Factors:
Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 2.4 has resulted in Excellent (9.5) profitability. Excellent current capitalization (9.4 on a scale of 0 to 10) based on a risk-based capital ratio of 13.3 and a capital leverage ratio of 10.6.
Asset Mix:
Comm re (33%), comm loans (17%), securities (9%), home mtgs (9%), cash (4%), 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
No affiliate information available.