Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 25.9 percent from a year earlier contributes to the Excellent asset quality (9.4). Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.8 and a capital leverage ratio of 9.0.
Asset Mix:
Securities (38%), home mtgs (21%), comm re (7%), home eq lns (6%), comm loans (3%), cash (3%), consumer loans (2%), other (20%)
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.