Major Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a risk-based capital ratio of 17.3 and a capital leverage ratio of 9.0.
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 27.3 percent and a “hot money” ratio of 21.1 percent. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.1) profitability.
Asset Mix:
Securities (36%), home mtgs (22%), comm re (8%), comm loans (7%), home eq lns (6%), cash (3%), consumer loans (1%), other (17%)
States with Branches:
KY
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
Cadiz Bancorp, Inc.
Investment Rating
--
Address
79 Main Street
Cadiz, KY 42211
Cadiz, KY 42211
Phone Number
(270) 522-6066
Year Founded
1970
FDIC Number
Website
Largest Affiliates
No affiliate information available.