SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of September 30, 2014
Federal Reserve System Identifier 941653




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$51,655$51,372$50,755
Loans Receivable, Net30,30629,91431,074
Mortgage-Backed Securities000
Investments9,4398,3177,311
Deposits41,47842,62941,007
Borrowings5,1323,7784,784
Equity4,8184,7364,724
Net Interest Income1,1451,4781,568
Fee Income99136140
Overhead1,1301,5011,518
Net Operating Income119144199
Net Income8482129
Ratio Analysis Profitability%%%
Return on Assets *0.160.150.26
Operating Return on Assets *0.270.270.40
Return on Equity *1.821.722.73
Net Interest Margin *3.052.933.29
Fee Income / Assets *0.250.260.28
Overhead / Assets *2.852.823.03
Efficiency Ratio90.4791.2588.41
Asset Quality%%%
Nonperforming Assets / Assets0.330.200.12
Nonperforming Assets / Equity & Loss Reserves3.272.001.18
Loss Reserves / Nonperforming Loans315.60850.00n/a
1-4 Fam Mtg + MBS / Assets41.5940.9843.16
Commercial Real Estate Loans / Assets5.285.106.63
Construction Loans / Assets0.420.760.59
Commercial & Industrial Loans / Assets0.540.850.46
Consumer Loans / Assets1.471.602.28
Capitalization%%%
Equity / Assets9.339.229.31
Tangible Capital / Tangible Assets9.339.229.31
Risk-based Capital Ratio19.8019.5919.11
Liquidity%%%
Loans / Deposits73.0770.1775.78
Non-Interest Bearing Deposits / Deposits16.1014.7314.91
Purchased Liabilities14.1111.4414.16

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