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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 March 31, 2015
Federal Reserve System Identifier 644459




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$61,061$61,631$51,192
Loans Receivable, Net36,48436,25425,998
Mortgage-Backed Securities5,0855,1575,393
Investments15,65115,72715,565
Deposits51,43153,46347,410
Borrowings4,0003,0000
Equity5,5095,0553,661
Net Interest Income5922,1201,726
Fee Income104240
Overhead3871,2741,186
Net Operating Income208872569
Net Income136559380
Ratio Analysis Profitability%%%
Return on Assets *0.991.000.76
Operating Return on Assets *1.561.551.14
Return on Equity *11.6512.239.09
Net Interest Margin *4.023.983.73
Fee Income / Assets *0.070.070.08
Overhead / Assets *2.342.272.37
Efficiency Ratio63.0357.4467.39
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 / Assets26.5725.7825.92
Commercial Real Estate Loans / Assets24.3023.3018.24
Construction Loans / Assets1.772.503.88
Commercial & Industrial Loans / Assets4.845.044.90
Consumer Loans / Assets0.860.800.73
Capitalization%%%
Equity / Assets9.028.207.15
Tangible Capital / Tangible Assets9.028.207.15
Risk-based Capital Ratio16.4115.6818.17
Liquidity%%%
Loans / Deposits70.9467.8154.84
Non-Interest Bearing Deposits / Deposits17.5726.2628.06
Purchased Liabilities8.184.873.35

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