SAFE & SOUND® STAR RATINGS

Financial statement

1ST CAMERON STATE BANK
124 SOUTH WALNUT
CAMERON, Missouri 64429

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 941653




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$53,597$51,372$50,755
Loans Receivable, Net29,61329,91431,074
Mortgage-Backed Securities000
Investments9,8078,3177,311
Deposits43,77742,62941,007
Borrowings4,8863,7784,784
Equity4,7584,7364,724
Net Interest Income3731,4781,568
Fee Income31136140
Overhead3721,5011,518
Net Operating Income36144199
Net Income2382129
Ratio Analysis Profitability%%%
Return on Assets *0.140.150.26
Operating Return on Assets *0.250.270.40
Return on Equity *1.551.722.73
Net Interest Margin *2.932.933.29
Fee Income / Assets *0.250.260.28
Overhead / Assets *2.812.823.03
Efficiency Ratio91.1891.2588.41
Asset Quality%%%
Nonperforming Assets / Assets0.380.200.12
Nonperforming Assets / Equity & Loss Reserves3.992.001.18
Loss Reserves / Nonperforming Loans247.92850.00n/a
1-4 Fam Mtg + MBS / Assets38.7740.9843.16
Commercial Real Estate Loans / Assets5.515.106.63
Construction Loans / Assets0.540.760.59
Commercial & Industrial Loans / Assets0.530.850.46
Consumer Loans / Assets1.481.602.28
Capitalization%%%
Equity / Assets8.889.229.31
Tangible Capital / Tangible Assets8.889.229.31
Risk-based Capital Ratio19.3819.5919.11
Liquidity%%%
Loans / Deposits67.6570.1775.78
Non-Interest Bearing Deposits / Deposits19.2214.7314.91
Purchased Liabilities12.9911.4414.16

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