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SAFE & SOUND® STAR RATINGS

BANK CBO

125 WEST NODAWAY
OREGON, Missouri 64473

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




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$58,869$51,192$51,886
Loans Receivable, Net34,43525,99821,627
Mortgage-Backed Securities5,1965,3934,768
Investments15,47215,56520,026
Deposits47,02547,41046,897
Borrowings7,00000
Equity4,6903,6614,968
Net Interest Income1,5341,7261,199
Fee Income314025
Overhead9351,186893
Net Operating Income625569257
Net Income402380183
Ratio Analysis Profitability%%%
Return on Assets *0.940.760.54
Operating Return on Assets *1.461.140.75
Return on Equity *11.269.093.75
Net Interest Margin *3.943.733.47
Fee Income / Assets *0.070.080.07
Overhead / Assets *2.332.372.62
Efficiency Ratio57.9767.3972.90
Asset Quality%%%
Nonperforming Assets / Assets0.000.130.48
Nonperforming Assets / Equity & Loss Reserves0.001.574.66
Loss Reserves / Nonperforming Loansn/a747.69191.43
1-4 Fam Mtg + MBS / Assets24.3625.9219.05
Commercial Real Estate Loans / Assets23.4918.2416.36
Construction Loans / Assets3.883.882.89
Commercial & Industrial Loans / Assets4.734.905.13
Consumer Loans / Assets0.750.730.66
Capitalization%%%
Equity / Assets7.977.159.57
Tangible Capital / Tangible Assets7.977.159.57
Risk-based Capital Ratio15.8718.1719.97
Liquidity%%%
Loans / Deposits73.2354.8446.12
Non-Interest Bearing Deposits / Deposits18.8128.0624.99
Purchased Liabilities13.143.350.47

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