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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 March 31, 2015
Federal Reserve System Identifier 941653




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$54,370$50,810$51,372
Loans Receivable, Net28,97629,80029,914
Mortgage-Backed Securities000
Investments8,9309,4318,317
Deposits41,76441,50942,629
Borrowings7,6104,2923,778
Equity4,7954,7964,736
Net Interest Income3621,5211,478
Fee Income34133136
Overhead4061,5281,501
Net Operating Income-1136144
Net Income-19582
Ratio Analysis Profitability%%%
Return on Assets *0.130.180.15
Operating Return on Assets *0.190.260.27
Return on Equity *1.481.981.72
Net Interest Margin *3.053.082.93
Fee Income / Assets *0.260.250.26
Overhead / Assets *2.952.882.82
Efficiency Ratio100.2591.8391.25
Asset Quality%%%
Nonperforming Assets / Assets0.420.570.20
Nonperforming Assets / Equity & Loss Reserves4.475.732.00
Loss Reserves / Nonperforming Loans981.48858.06850.00
1-4 Fam Mtg + MBS / Assets37.8240.7140.98
Commercial Real Estate Loans / Assets4.585.385.10
Construction Loans / Assets0.420.400.76
Commercial & Industrial Loans / Assets0.810.570.85
Consumer Loans / Assets1.611.401.60
Capitalization%%%
Equity / Assets8.829.449.22
Tangible Capital / Tangible Assets8.829.449.22
Risk-based Capital Ratio19.1819.6819.59
Liquidity%%%
Loans / Deposits69.3871.7970.17
Non-Interest Bearing Deposits / Deposits17.0116.7214.73
Purchased Liabilities18.3212.6311.44

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