Vitals
  • Total Assets
    198.1M 4.5 %
  • Total Deposits
    170.1M 5.7 %
  • Total Net Loans
    151.6M -0.6 %
  • Net Income
    1.5M 68.5 %
  • Book Value
    20.8M 9.8 %
  • Book Value x2
    41.6M 9.8 %
  • Book Value x3
    62.5M 9.8 %
ROAA

.769

ROAE

7.464

Efficiency Ratio

104.793

Net Interest Margin

3.364

Balance Sheet Highlights
Financial Highlights Cardinal State Bank All Insured Commercial Banks in North Carolina
Balance Sheet $(000)
Total Assets 198,093 1,129,320
Total Net Loans 151,600 774,390
Total Deposits 170,082 851,648
Total Equity 20,824 127,503
Profitability
Net Income 1,493 340,877
Return on Average Assets .769 .907
Return on Average Equity 7.464 8.991
Net Interest Margin 3.364 4.015
Efficiency Ratio 104.793 78.875
Noninterest Income/Revenue 3.375 71.027
Balance Sheet Ratios
Loan-to-Deposit 89.134 96.591
Securities/Assets .003 4.226
Total Equity/Total Assets .105 .113
Tangible Equity/Tangible Assets .105 -2.447
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 20,821 95,643
Tier 2 Capital 1,969 46,108
Total Capital 22,790 111,064
Total Risk Weighted Assets 157,516 877,478
Leverage Ratio 10.27 11.387
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 13.22 12.981
Total Capital Ratio 14.47 14.272

Timeline for Cardinal State Bank

Yadkin Bank

Cardinal State Bank was acquired by Yadkin Bank 16 years

View Profile Mar 31 2008

Cardinal State Bank

Cardinal State Bank was established 22 years ago and is currently headquartered in Durham, NC.

Jun 27 2001
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Yadkin Bank Buyer 7,348,163 Acquisition Discontinued 3/31/2008
Relationships Role Relationship Start Relationship End
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