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 June 30, 2014
Federal Reserve System Identifier 941653




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$51,258$51,372$50,755
Loans Receivable, Net31,21129,91431,074
Mortgage-Backed Securities000
Investments9,9478,3177,311
Deposits43,00342,62941,007
Borrowings3,2923,7784,784
Equity4,7814,7364,724
Net Interest Income7571,4781,568
Fee Income64136140
Overhead7531,5011,518
Net Operating Income73144199
Net Income4782129
Ratio Analysis Profitability%%%
Return on Assets *0.140.150.26
Operating Return on Assets *0.260.270.40
Return on Equity *1.611.722.73
Net Interest Margin *2.972.933.29
Fee Income / Assets *0.250.260.28
Overhead / Assets *2.792.823.03
Efficiency Ratio91.1691.2588.41
Asset Quality%%%
Nonperforming Assets / Assets0.170.200.12
Nonperforming Assets / Equity & Loss Reserves1.692.001.18
Loss Reserves / Nonperforming Loans1322.22850.00n/a
1-4 Fam Mtg + MBS / Assets42.7440.9843.16
Commercial Real Estate Loans / Assets5.915.106.63
Construction Loans / Assets0.570.760.59
Commercial & Industrial Loans / Assets0.540.850.46
Consumer Loans / Assets1.381.602.28
Capitalization%%%
Equity / Assets9.339.229.31
Tangible Capital / Tangible Assets9.339.229.31
Risk-based Capital Ratio19.3819.5919.11
Liquidity%%%
Loans / Deposits72.5870.1775.78
Non-Interest Bearing Deposits / Deposits18.4614.7314.91
Purchased Liabilities10.5611.4414.16

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