Major Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital combined with 6.0 percent from a year earlier contributes to the Fair asset quality (4.6). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (3.9) profitability.
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a risk-based capital ratio of 11.4 and a capital leverage ratio of 8.6. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Asset Mix:
Comm re (35%), comm loans (17%), securities (14%), home mtgs (12%), cash (5%), home eq lns (1%), consumer loans (0%), other (15%)
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, Inc.
Investment Rating
--
Address
7305 Manchester Road
Maplewood, MO 63143
Maplewood, MO 63143
Phone Number
(314) 645-0666
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.