SAFE & SOUND® STAR RATINGS

Financial statement

BANK OF BELTON
204 MAIN
BELTON, Missouri 64012

STAR RATING: 1 star
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 566458




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$43,213$45,417$47,867
Loans Receivable, Net18,28918,21119,616
Mortgage-Backed Securities1,2561,2900
Investments5,8175,0327,850
Deposits41,15543,24544,832
Borrowings000
Equity1,9782,0923,004
Net Interest Income2529801,114
Fee Income34132148
Overhead4411,9522,535
Net Operating Income-128-896-178
Net Income-128-896-178
Ratio Analysis Profitability%%%
Return on Assets *-1.79-1.96-0.39
Operating Return on Assets *-1.79-1.96-0.39
Return on Equity *-36.04-36.39-6.00
Net Interest Margin *2.472.442.79
Fee Income / Assets *0.290.290.32
Overhead / Assets *4.124.275.56
Efficiency Ratio140.89160.0098.87
Asset Quality%%%
Nonperforming Assets / Assets5.815.617.84
Nonperforming Assets / Equity & Loss Reserves103.29100.08107.13
Loss Reserves / Nonperforming Loans1415.63767.8056.37
1-4 Fam Mtg + MBS / Assets10.3310.087.06
Commercial Real Estate Loans / Assets8.798.5512.87
Construction Loans / Assets6.936.696.85
Commercial & Industrial Loans / Assets18.5816.9713.33
Consumer Loans / Assets1.621.611.32
Capitalization%%%
Equity / Assets4.584.616.28
Tangible Capital / Tangible Assets4.584.616.28
Risk-based Capital Ratio8.158.4910.58
Liquidity%%%
Loans / Deposits44.4442.1143.75
Non-Interest Bearing Deposits / Deposits20.5719.6618.60
Purchased Liabilities0.000.000.00

* Calculations are based on the latest four quarters of income and expense.
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