Major Rating Factors:
A current level of 11.5 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Fair asset quality (3.4). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Weak (2.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 21.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Asset Mix:
Securities (57%), comm loans (10%), consumer loans (9%), cash (3%), comm re (2%), home mtgs (2%), other (18%)
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
Gueydan Bancshares, Inc.
Investment Rating
--
Address
111 Main Street
Gueydan, LA 70542
Gueydan, LA 70542
Phone Number
(337) 536-9203
Year Founded
1927
FDIC Number
Website
Largest Affiliates
No affiliate information available.