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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 September 30, 2015
Federal Reserve System Identifier 941653




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$52,543$50,810$51,372
Loans Receivable, Net28,65029,80029,914
Mortgage-Backed Securities000
Investments10,1739,4318,317
Deposits40,76641,50942,629
Borrowings6,6684,2923,778
Equity4,8614,7964,736
Net Interest Income1,0991,5211,478
Fee Income99133136
Overhead1,1381,5281,501
Net Operating Income85136144
Net Income659582
Ratio Analysis Profitability%%%
Return on Assets *0.140.180.15
Operating Return on Assets *0.190.260.27
Return on Equity *1.581.981.72
Net Interest Margin *2.943.082.93
Fee Income / Assets *0.250.250.26
Overhead / Assets *2.902.882.82
Efficiency Ratio93.0591.8391.25
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 / Assets39.4740.7140.98
Commercial Real Estate Loans / Assets4.545.385.10
Construction Loans / Assets0.530.400.76
Commercial & Industrial Loans / Assets0.730.570.85
Consumer Loans / Assets1.841.401.60
Capitalization%%%
Equity / Assets9.259.449.22
Tangible Capital / Tangible Assets9.259.449.22
Risk-based Capital Ratio21.7619.6819.59
Liquidity%%%
Loans / Deposits70.2871.7970.17
Non-Interest Bearing Deposits / Deposits16.4916.7214.73
Purchased Liabilities17.1312.6311.44

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