Cornerstone Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (3.9) profitability. 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).
Other Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5). Excellent current capitalization (7.1 on a scale of 0 to 10) and a capital leverage ratio of 9.1.
Asset Mix:
Comm re (36%), home mtgs (24%), cash (7%), securities (5%), comm loans (4%), home eq lns (2%), other (21%)
States with Branches:
KS
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
Cornerstone Bancshares, Inc.
Investment Rating
--
Address
9120 West 135th Street
Overland Park, KS 66221
Overland Park, KS 66221
Phone Number
(913) 239-8100
Year Founded
2001
FDIC Number
Website
Largest Affiliates
No affiliate information available.