SAFE & SOUND® STAR RATINGS

Financial statement

BANK CBO
125 WEST NODAWAY
OREGON, Missouri 64473

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 644459




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$55,911$51,192$51,886
Loans Receivable, Net30,55125,99821,627
Mortgage-Backed Securities5,2665,3934,768
Investments15,26215,56520,026
Deposits44,24947,41046,897
Borrowings7,00000
Equity4,5263,6614,968
Net Interest Income9781,7261,199
Fee Income214025
Overhead6101,186893
Net Operating Income376569257
Net Income244380183
Ratio Analysis Profitability%%%
Return on Assets *0.860.760.54
Operating Return on Assets *1.321.140.75
Return on Equity *11.129.093.75
Net Interest Margin *3.863.733.47
Fee Income / Assets *0.090.080.07
Overhead / Assets *2.432.372.62
Efficiency Ratio59.8067.3972.90
Asset Quality%%%
Nonperforming Assets / Assets0.030.130.48
Nonperforming Assets / Equity & Loss Reserves0.381.574.66
Loss Reserves / Nonperforming Loans2252.63747.69191.43
1-4 Fam Mtg + MBS / Assets24.1925.9219.05
Commercial Real Estate Loans / Assets21.0918.2416.36
Construction Loans / Assets3.463.882.89
Commercial & Industrial Loans / Assets4.964.905.13
Consumer Loans / Assets0.740.730.66
Capitalization%%%
Equity / Assets8.107.159.57
Tangible Capital / Tangible Assets8.107.159.57
Risk-based Capital Ratio16.7618.1719.97
Liquidity%%%
Loans / Deposits69.0454.8446.12
Non-Interest Bearing Deposits / Deposits19.3628.0624.99
Purchased Liabilities13.843.350.47

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