Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.8) profitability.
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Excellent asset quality (8.5). Good current capitalization (6.0 on a scale of 0 to 10) based on a risk-based capital ratio of 21.3 and a capital leverage ratio of 8.0.
Asset Mix:
Securities (87%), consumer loans (8%), home mtgs (1%), comm loans (1%), comm re (1%), other (3%)
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
Jonesboro Bancshares, Inc.
Investment Rating
--
Address
109 Jimmie Davis Boulevard
Jonesboro, LA 71251
Jonesboro, LA 71251
Phone Number
(318) 259-4411
Year Founded
1913
FDIC Number
Largest Affiliates
No affiliate information available.