Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 32.2 and a capital leverage ratio of 14.4. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (9.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 41.0 percent and a “hot money” ratio of 14.4 percent.
Asset Mix:
Securities (35%), cash (21%), home mtgs (17%), comm loans (8%), consumer loans (3%), comm re (2%), other (13%)
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
Black Cat Financial Corp
Investment Rating
--
Address
200 West Main Street
Winnfield, LA 71483
Winnfield, LA 71483
Phone Number
(318) 628-4677
Year Founded
1901
FDIC Number
Website
Largest Affiliates
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