SAFE & SOUND® STAR RATINGS

Financial statement

BANK OF BELTON
204 MAIN
BELTON, Missouri 64012

STAR RATING: 1 star
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 566458




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$45,840$45,417$47,867
Loans Receivable, Net18,08318,21119,616
Mortgage-Backed Securities1,2211,2900
Investments5,5855,0327,850
Deposits43,84043,24544,832
Borrowings000
Equity1,8652,0923,004
Net Interest Income5119801,114
Fee Income62132148
Overhead8861,9522,535
Net Operating Income-256-896-178
Net Income-256-896-178
Ratio Analysis Profitability%%%
Return on Assets *-1.55-1.96-0.39
Operating Return on Assets *-1.55-1.96-0.39
Return on Equity *-33.62-36.39-6.00
Net Interest Margin *2.552.442.79
Fee Income / Assets *0.290.290.32
Overhead / Assets *4.134.275.56
Efficiency Ratio141.53160.0098.87
Asset Quality%%%
Nonperforming Assets / Assets5.855.617.84
Nonperforming Assets / Equity & Loss Reserves115.27100.08107.13
Loss Reserves / Nonperforming Loans230.00767.8056.37
1-4 Fam Mtg + MBS / Assets9.3910.087.06
Commercial Real Estate Loans / Assets8.318.5512.87
Construction Loans / Assets6.466.696.85
Commercial & Industrial Loans / Assets17.3916.9713.33
Consumer Loans / Assets1.561.611.32
Capitalization%%%
Equity / Assets4.074.616.28
Tangible Capital / Tangible Assets4.074.616.28
Risk-based Capital Ratio7.588.4910.58
Liquidity%%%
Loans / Deposits41.2542.1143.75
Non-Interest Bearing Deposits / Deposits21.3519.6618.60
Purchased Liabilities0.000.000.00

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