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 December 31, 2013
Federal Reserve System Identifier 941653




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$51,372$50,755$48,801
Loans Receivable, Net29,91431,07433,272
Mortgage-Backed Securities000
Investments8,3177,3118,398
Deposits42,62941,00739,890
Borrowings3,7784,7843,975
Equity4,7364,7244,662
Net Interest Income1,4781,5681,604
Fee Income136140160
Overhead1,5011,5181,639
Net Operating Income144199128
Net Income8212986
Ratio Analysis Profitability%%%
Return on Assets *0.150.260.17
Operating Return on Assets *0.270.400.26
Return on Equity *1.722.731.85
Net Interest Margin *2.933.293.53
Fee Income / Assets *0.260.280.33
Overhead / Assets *2.823.033.41
Efficiency Ratio91.2588.4192.13
Asset Quality%%%
Nonperforming Assets / Assets0.200.120.68
Nonperforming Assets / Equity & Loss Reserves2.001.186.63
Loss Reserves / Nonperforming Loans850.00n/a1.08
1-4 Fam Mtg + MBS / Assets40.9843.1648.28
Commercial Real Estate Loans / Assets5.106.637.22
Construction Loans / Assets0.760.590.63
Commercial & Industrial Loans / Assets0.850.461.25
Consumer Loans / Assets1.602.282.03
Capitalization%%%
Equity / Assets9.229.319.55
Tangible Capital / Tangible Assets9.229.319.55
Risk-based Capital Ratio19.5919.1118.66
Liquidity%%%
Loans / Deposits70.1775.7883.41
Non-Interest Bearing Deposits / Deposits14.7314.9113.55
Purchased Liabilities11.4414.1620.24

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