Major Rating Factors:
A current level of 17.2 percent of nonperforming loans to core capital combined with 25.6 percent from a year earlier contributes to the Weak asset quality (1.4). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.3) profitability.
Other Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) and a capital leverage ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Comm re (31%), comm loans (15%), home mtgs (14%), securities (10%), cash (4%), home eq lns (4%), consumer loans (1%), other (21%)
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
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