Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.8 and a net worth ratio of 14.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (7.9). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.0 has resulted in Good (5.7) profitability.
Asset Mix:
Consumer loans (70%), other (30%)
Largest Competitors
Lafayette, LA
Lafayette, LA
Lafayette, LA
Lafayette, LA
Lafayette, LA