Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 33.3 and a capital leverage ratio of 14.2. A current level of 0.1 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (9.4).
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 (6.2 on a scale of 0 to 10). Good liquidity 5.0, driven by a liquidity ratio of 44.9 percent and a “hot money” ratio of 14.1 percent.
Asset Mix:
Securities (36%), cash (23%), home mtgs (16%), comm loans (7%), consumer loans (3%), comm re (3%), other (12%)
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
No affiliate information available.