Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Very Weak (0.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 28.4 and a capital leverage ratio of 11.4. A current level of 11.1 percent of nonperforming loans to core capital combined with 21.8 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Securities (59%), cash (14%), comm re (11%), home mtgs (4%), comm loans (4%), consumer loans (4%), other (5%)
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
St. Landry Bancshares, Inc.
Investment Rating
--
Address
132 East Landry Street
Opelousas, LA 70570
Opelousas, LA 70570
Phone Number
(337) 942-7516
Year Founded
1931
FDIC Number
Website
Largest Affiliates
No affiliate information available.