Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.0 and a capital leverage ratio of 12.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.6 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Good asset quality (5.9). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Fair (4.2) profitability.
Asset Mix:
Home mtgs (21%), securities (19%), comm re (18%), comm loans (13%), cash (4%), consumer loans (2%), other (23%)
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
Investment Rating
--
Address
345 Main Street
Marion, LA 71260
Marion, LA 71260
Phone Number
(318) 292-4571
Year Founded
1907
FDIC Number
Website
Largest Affiliates
No affiliate information available.