Major Rating Factors:
A current level of 21.1 percent of nonperforming loans to core capital combined with 9.9 percent from a year earlier contributes to the Weak asset quality (2.6). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Weak (1.5) profitability.
Other Rating Factors:
Good current capitalization (6.8 on a scale of 0 to 10) based on a risk-based capital ratio of 12.2 and a capital leverage ratio of 8.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Asset Mix:
Comm re (26%), comm loans (17%), home mtgs (16%), securities (12%), home eq lns (3%), cash (1%), consumer loans (1%), other (23%)
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.