SAFE & SOUND® STAR RATINGS

Financial statement

BANK CBO
125 WEST NODAWAY
OREGON, Missouri 64473

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 644459




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$52,500$51,192$51,886
Loans Receivable, Net27,91425,99821,627
Mortgage-Backed Securities5,2935,3934,768
Investments14,90015,56520,026
Deposits46,37447,41046,897
Borrowings2,00000
Equity4,0073,6614,968
Net Interest Income4771,7261,199
Fee Income104025
Overhead3051,186893
Net Operating Income177569257
Net Income119380183
Ratio Analysis Profitability%%%
Return on Assets *0.800.760.54
Operating Return on Assets *1.191.140.75
Return on Equity *10.239.093.75
Net Interest Margin *3.833.733.47
Fee Income / Assets *0.080.080.07
Overhead / Assets *2.432.372.62
Efficiency Ratio61.3767.3972.90
Asset Quality%%%
Nonperforming Assets / Assets0.180.130.48
Nonperforming Assets / Equity & Loss Reserves2.131.574.66
Loss Reserves / Nonperforming Loans528.13747.69191.43
1-4 Fam Mtg + MBS / Assets25.8525.9219.05
Commercial Real Estate Loans / Assets20.2518.2416.36
Construction Loans / Assets4.573.882.89
Commercial & Industrial Loans / Assets4.754.905.13
Consumer Loans / Assets0.680.730.66
Capitalization%%%
Equity / Assets7.637.159.57
Tangible Capital / Tangible Assets7.637.159.57
Risk-based Capital Ratio17.7418.1719.97
Liquidity%%%
Loans / Deposits60.1954.8446.12
Non-Interest Bearing Deposits / Deposits20.4228.0624.99
Purchased Liabilities7.093.350.47

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