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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 December 31, 2014
Federal Reserve System Identifier 644459




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$61,631$51,192$51,886
Loans Receivable, Net36,25425,99821,627
Mortgage-Backed Securities5,1575,3934,768
Investments15,72715,56520,026
Deposits53,46347,41046,897
Borrowings3,00000
Equity5,0553,6614,968
Net Interest Income2,1201,7261,199
Fee Income424025
Overhead1,2741,186893
Net Operating Income872569257
Net Income559380183
Ratio Analysis Profitability%%%
Return on Assets *1.000.760.54
Operating Return on Assets *1.551.140.75
Return on Equity *12.239.093.75
Net Interest Margin *3.983.733.47
Fee Income / Assets *0.070.080.07
Overhead / Assets *2.272.372.62
Efficiency Ratio57.4467.3972.90
Asset Quality%%%
Nonperforming Assets / Assets0.210.130.48
Nonperforming Assets / Equity & Loss Reserves2.351.574.66
Loss Reserves / Nonperforming Loans369.23747.69191.43
1-4 Fam Mtg + MBS / Assets25.7825.9219.05
Commercial Real Estate Loans / Assets23.3018.2416.36
Construction Loans / Assets2.503.882.89
Commercial & Industrial Loans / Assets5.044.905.13
Consumer Loans / Assets0.800.730.66
Capitalization%%%
Equity / Assets8.207.159.57
Tangible Capital / Tangible Assets8.207.159.57
Risk-based Capital Ratio15.6818.1719.97
Liquidity%%%
Loans / Deposits67.8154.8446.12
Non-Interest Bearing Deposits / Deposits26.2628.0624.99
Purchased Liabilities4.873.350.47

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