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SAFE & SOUND® STAR RATINGS

BANK CBO

125 WEST NODAWAY
OREGON, Missouri 64473

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2015
Federal Reserve System Identifier 644459




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$63,252$61,631$51,192
Loans Receivable, Net38,10036,25425,998
Mortgage-Backed Securities4,8025,1575,393
Investments15,32715,72715,565
Deposits51,20653,46347,410
Borrowings6,0003,0000
Equity5,8935,0553,661
Net Interest Income3522,1201,726
Fee Income64240
Overhead2051,2741,186
Net Operating Income160872569
Net Income92559380
Ratio Analysis Profitability%%%
Return on Assets *0.151.000.76
Operating Return on Assets *0.261.551.14
Return on Equity *1.6412.239.09
Net Interest Margin *0.613.983.73
Fee Income / Assets *0.010.070.08
Overhead / Assets *0.342.272.37
Efficiency Ratio56.1657.4467.39
Asset Quality%%%
Nonperforming Assets / Assets0.110.210.13
Nonperforming Assets / Equity & Loss Reserves1.152.351.57
Loss Reserves / Nonperforming Loans0.00369.23747.69
1-4 Fam Mtg + MBS / Assets26.2725.7825.92
Commercial Real Estate Loans / Assets24.3723.3018.24
Construction Loans / Assets1.532.503.88
Commercial & Industrial Loans / Assets4.565.044.90
Consumer Loans / Assets0.810.800.73
Capitalization%%%
Equity / Assets9.328.207.15
Tangible Capital / Tangible Assets9.328.207.15
Risk-based Capital Ratio15.6915.6818.17
Liquidity%%%
Loans / Deposits74.4167.8154.84
Non-Interest Bearing Deposits / Deposits28.5926.2628.06
Purchased Liabilities11.074.873.35

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