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SAFE & SOUND® STAR RATINGS

1ST CAMERON STATE BANK

124 SOUTH WALNUT
CAMERON, Missouri 64429

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




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$50,810$51,372$50,755
Loans Receivable, Net29,80029,91431,074
Mortgage-Backed Securities000
Investments9,4318,3177,311
Deposits41,50942,62941,007
Borrowings4,2923,7784,784
Equity4,7964,7364,724
Net Interest Income1,5211,4781,568
Fee Income133136140
Overhead1,5281,5011,518
Net Operating Income136144199
Net Income9582129
Ratio Analysis Profitability%%%
Return on Assets *0.180.150.26
Operating Return on Assets *0.260.270.40
Return on Equity *1.981.722.73
Net Interest Margin *3.082.933.29
Fee Income / Assets *0.250.260.28
Overhead / Assets *2.882.823.03
Efficiency Ratio91.8391.2588.41
Asset Quality%%%
Nonperforming Assets / Assets0.570.200.12
Nonperforming Assets / Equity & Loss Reserves5.732.001.18
Loss Reserves / Nonperforming Loans858.06850.00n/a
1-4 Fam Mtg + MBS / Assets40.7140.9843.16
Commercial Real Estate Loans / Assets5.385.106.63
Construction Loans / Assets0.400.760.59
Commercial & Industrial Loans / Assets0.570.850.46
Consumer Loans / Assets1.401.602.28
Capitalization%%%
Equity / Assets9.449.229.31
Tangible Capital / Tangible Assets9.449.229.31
Risk-based Capital Ratio19.6819.5919.11
Liquidity%%%
Loans / Deposits71.7970.1775.78
Non-Interest Bearing Deposits / Deposits16.7214.7314.91
Purchased Liabilities12.6311.4414.16

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