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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, 2015
Federal Reserve System Identifier 644459




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$59,679$61,631$51,192
Loans Receivable, Net36,59936,25425,998
Mortgage-Backed Securities4,8605,1575,393
Investments15,44415,72715,565
Deposits44,89953,46347,410
Borrowings8,8863,0000
Equity5,6985,0553,661
Net Interest Income1,7472,1201,726
Fee Income354240
Overhead1,0951,2741,186
Net Operating Income724872569
Net Income467559380
Ratio Analysis Profitability%%%
Return on Assets *1.041.000.76
Operating Return on Assets *1.611.551.14
Return on Equity *11.5612.239.09
Net Interest Margin *4.083.983.73
Fee Income / Assets *0.080.070.08
Overhead / Assets *2.382.272.37
Efficiency Ratio59.3857.4467.39
Asset Quality%%%
Nonperforming Assets / Assets0.000.210.13
Nonperforming Assets / Equity & Loss Reserves0.002.351.57
Loss Reserves / Nonperforming Loansn/a369.23747.69
1-4 Fam Mtg + MBS / Assets27.9825.7825.92
Commercial Real Estate Loans / Assets24.6023.3018.24
Construction Loans / Assets1.312.503.88
Commercial & Industrial Loans / Assets4.875.044.90
Consumer Loans / Assets0.970.800.73
Capitalization%%%
Equity / Assets9.558.207.15
Tangible Capital / Tangible Assets9.558.207.15
Risk-based Capital Ratio17.2615.6818.17
Liquidity%%%
Loans / Deposits81.5167.8154.84
Non-Interest Bearing Deposits / Deposits19.9026.2628.06
Purchased Liabilities16.554.873.35

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