Major Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 14.9 and a capital leverage ratio of 9.4. A current level of 8.0 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Good asset quality (5.6).
Other 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 (4.0 on a scale of 0 to 10). Fair liquidity 3.2, driven by a liquidity ratio of 14.8 percent and a “hot money” ratio of 26.7 percent.
Asset Mix:
Securities (43%), comm re (16%), home mtgs (15%), comm loans (3%), cash (1%), consumer loans (1%), other (21%)
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
Coushatta Bancshares, Inc.
Investment Rating
--
Address
1525 Ringgold Avenue
Coushatta, LA 71019
Coushatta, LA 71019
Phone Number
(318) 932-3491
Year Founded
1897
FDIC Number
Website
Largest Affiliates
No affiliate information available.