Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (6.5) profitability.
Other Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.5 on a scale of 0 to 10) and a capital leverage ratio of 9.3.
Asset Mix:
Comm re (18%), home mtgs (17%), securities (11%), cash (8%), comm loans (3%), home eq lns (2%), consumer loans (2%), other (40%)
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
Cornerstone Bancshares, Inc.
Investment Rating
--
Address
1475 South Jefferson Avenue
Lebanon, MO 65536
Lebanon, MO 65536
Phone Number
(417) 532-2265
Year Founded
2003
FDIC Number
Largest Affiliates
No affiliate information available.