Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 14.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 11.4 percent of nonperforming loans to core capital combined with 20.3 percent from a year earlier contributes to the Fair asset quality (4.8). Fair liquidity 4.0, driven by a liquidity ratio of 43.1 percent and a “hot money” ratio of 19.1 percent.
Asset Mix:
Securities (24%), cash (19%), home mtgs (15%), comm re (15%), comm loans (5%), consumer loans (2%), other (19%)
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
Bank of Erath Holding Company
Investment Rating
--
Address
105 West Edwards Street
Erath, LA 70533
Erath, LA 70533
Phone Number
(337) 937-5816
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.