SAFE & SOUND® STAR RATINGS

Financial statement

BANK CBO
125 WEST NODAWAY
OREGON, Missouri 64473

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 644459




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$51,192$51,886$25,099
Loans Receivable, Net25,99821,62714,184
Mortgage-Backed Securities5,3934,7682,289
Investments15,56520,0261,148
Deposits47,41046,89722,733
Borrowings000
Equity3,6614,9682,341
Net Interest Income1,7261,199705
Fee Income402516
Overhead1,186893601
Net Operating Income569257-106
Net Income380183-82
Ratio Analysis Profitability%%%
Return on Assets *0.760.54-0.39
Operating Return on Assets *1.140.75-0.50
Return on Equity *9.093.75-3.64
Net Interest Margin *3.733.473.64
Fee Income / Assets *0.080.070.08
Overhead / Assets *2.372.622.88
Efficiency Ratio67.3972.9099.17
Asset Quality%%%
Nonperforming Assets / Assets0.130.481.00
Nonperforming Assets / Equity & Loss Reserves1.574.669.59
Loss Reserves / Nonperforming Loans747.69191.432.02
1-4 Fam Mtg + MBS / Assets25.9219.0518.93
Commercial Real Estate Loans / Assets18.2416.3626.52
Construction Loans / Assets3.882.892.25
Commercial & Industrial Loans / Assets4.905.135.60
Consumer Loans / Assets0.730.661.18
Capitalization%%%
Equity / Assets7.159.579.33
Tangible Capital / Tangible Assets7.159.579.33
Risk-based Capital Ratio18.1719.9717.56
Liquidity%%%
Loans / Deposits54.8446.1262.39
Non-Interest Bearing Deposits / Deposits28.0624.9924.37
Purchased Liabilities3.350.477.13

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