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1st Cameron State Bank

Cameron, MO · Cert 32487

FDIC · 2 branches

Q3 2021

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2021, the quarter ended September 30, 2021, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

1st Cameron State Bank

Cameron, MO · Cert 32487

FDIC · 2 branches

Q3 2021

$71.4MAssets
$20.5MLoans
$54.7MDeposits
$5.5MEquity
Loan mix
93%RE $18.5M2%C&I $0.3M5%Consumer $1.1MQ3 2020Q3 2021
Deposit mix
74%Interest-bearing $40.3M26%Noninterest $14.4MQ3 2020Q3 2021

NIM

3.21%Q3 ’192.46%Q3 ’201.94%Q3 ’21-24%-22%

Non-interest income vs. expense

2.55%Q3 ’192.16%Q3 ’201.98%Q3 ’21-16%-10%

Market Position · Kansas City, MO-KS · 2021 SOD (annual) · 0.1% share · #92 of 125 inst. · $0.1B of $82.0B

Executive Summary

  • Earnings: ROA of 0.02%, down 22 bps year over year; NIM at 1.77%.
  • Asset quality: problem loans at 0.84% of loans (-7 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 7.87%, down 64 bps from a year ago.
  • Funding: loans stand at 37.41% of deposits as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

0.02%-22 bps YoY

Net Interest Margin (YTD, annualized)

1.77%-49 bps YoY

Efficiency Ratio (YTD, annualized)

101.46%+1,244 bps YoY

Tier 1 Leverage Ratio

7.87%-64 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets0.23%0.19%0.09%0.04%0.02%-22 bps
Return on Equity2.50%2.07%1.09%0.51%0.19%-230 bps
Net Interest Margin2.26%2.34%2.04%1.78%1.77%-49 bps
Efficiency Ratio89.03%90.77%95.14%100.87%101.46%+1,244 bps
Non-Interest Burden2.00%2.11%1.93%1.80%1.80%-20 bps
Growth
Asset Growth (YoY)11.56%13.18%25.93%6.41%11.61%+6 bps
Loan Growth (YoY)-9.91%-5.16%-3.58%-6.61%-2.65%+726 bps
Deposit Growth (YoY)5.51%7.14%20.23%11.75%16.39%+1,088 bps
Asset Quality
Nonperforming Loans / Loans0.91%0.93%0.89%0.90%0.84%-7 bps
Net Charge-Offs / Loans0.00%0.02%-0.06%-0.02%-0.02%-2 bps
Allowance / Loans1.19%1.15%1.21%1.26%1.21%+2 bps
Allowance Coverage of NPLs1.3x1.2x1.4x1.4x1.4x+0.1x
Capital
Tier 1 Leverage Ratio8.50%8.75%8.73%7.92%7.87%-64 bps
Total Risk-Based Capital26.51%26.79%27.72%26.70%25.79%-72 bps
Equity / Assets8.67%9.20%8.14%7.89%7.70%-97 bps
Liquidity & Funding
Loans / Deposits44.73%46.08%38.36%37.46%37.41%-732 bps
Liquid Assets / Assets51.32%54.40%63.37%66.64%66.93%+1,561 bps
CRE / Total Capitaln/an/an/an/an/an/an/a