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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, 2015
Federal Reserve System Identifier 941653




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$52,961$50,810$51,372
Loans Receivable, Net28,42829,80029,914
Mortgage-Backed Securities000
Investments10,6699,4318,317
Deposits41,38441,50942,629
Borrowings6,4534,2923,778
Equity4,8464,7964,736
Net Interest Income1,4671,5211,478
Fee Income129133136
Overhead1,5011,5281,501
Net Operating Income125136144
Net Income929582
Ratio Analysis Profitability%%%
Return on Assets *0.170.180.15
Operating Return on Assets *0.240.260.27
Return on Equity *1.901.981.72
Net Interest Margin *2.893.082.93
Fee Income / Assets *0.240.250.26
Overhead / Assets *2.842.882.82
Efficiency Ratio92.3191.8391.25
Asset Quality%%%
Nonperforming Assets / Assets0.000.570.20
Nonperforming Assets / Equity & Loss Reserves0.005.732.00
Loss Reserves / Nonperforming Loansn/a858.06850.00
1-4 Fam Mtg + MBS / Assets38.0440.7140.98
Commercial Real Estate Loans / Assets4.885.385.10
Construction Loans / Assets0.400.400.76
Commercial & Industrial Loans / Assets0.980.570.85
Consumer Loans / Assets1.851.401.60
Capitalization%%%
Equity / Assets9.159.449.22
Tangible Capital / Tangible Assets9.159.449.22
Risk-based Capital Ratio21.4419.6819.59
Liquidity%%%
Loans / Deposits68.6971.7970.17
Non-Interest Bearing Deposits / Deposits15.5216.7214.73
Purchased Liabilities16.4412.6311.44

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