Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.7) profitability. A current level of 8.1 percent of nonperforming loans to core capital combined with 17.4 percent from a year earlier contributes to the Fair asset quality (4.3).
Other Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) and a capital leverage ratio of 9.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Comm re (25%), comm loans (17%), home mtgs (15%), securities (14%), home eq lns (3%), cash (1%), consumer loans (1%), other (24%)
States with Branches:
MO
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
Cardinal Bancorp II, Inc.
Investment Rating
--
Address
15 East Main Street
Union, MO 63084
Union, MO 63084
Phone Number
(636) 583-2555
Year Founded
1934
FDIC Number
Website
Largest Affiliates
No affiliate information available.
