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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, 2016
Federal Reserve System Identifier 941653




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$57,734$52,961$50,810
Loans Receivable, Net27,90228,42829,800
Mortgage-Backed Securities000
Investments10,41610,6699,431
Deposits42,38441,38441,509
Borrowings10,2616,4534,292
Equity4,8684,8464,796
Net Interest Income3611,4671,521
Fee Income31129133
Overhead3581,5011,528
Net Operating Income37125136
Net Income249295
Ratio Analysis Profitability%%%
Return on Assets *0.220.170.18
Operating Return on Assets *0.310.240.26
Return on Equity *2.411.901.98
Net Interest Margin *2.842.893.08
Fee Income / Assets *0.240.240.25
Overhead / Assets *2.722.842.88
Efficiency Ratio90.6392.3191.83
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.57
Nonperforming Assets / Equity & Loss Reserves0.000.005.73
Loss Reserves / Nonperforming Loansn/an/a858.06
1-4 Fam Mtg + MBS / Assets34.3838.0440.71
Commercial Real Estate Loans / Assets4.574.885.38
Construction Loans / Assets0.470.400.40
Commercial & Industrial Loans / Assets0.780.980.57
Consumer Loans / Assets2.001.851.40
Capitalization%%%
Equity / Assets8.439.159.44
Tangible Capital / Tangible Assets8.439.159.44
Risk-based Capital Ratio22.0721.4419.68
Liquidity%%%
Loans / Deposits65.8368.6971.79
Non-Interest Bearing Deposits / Deposits13.6315.5216.72
Purchased Liabilities21.6816.4412.63

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