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SAFE & SOUND® STAR RATINGS

BANK OF BELLE GLADE

108 SOUTHEAST AVENUE D
BELLE GLADE, Florida 33430

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 302030




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$96,481$93,521$96,562
Loans Receivable, Net26,81226,16925,359
Mortgage-Backed Securities35,41836,71336,847
Investments1,4931,4931,490
Deposits88,52785,70589,238
Borrowings000
Equity7,8507,6777,199
Net Interest Income4841,9191,914
Fee Income106351324
Overhead4861,9371,857
Net Operating Income136459481
Net Income85285300
Ratio Analysis Profitability%%%
Return on Assets *0.330.320.33
Operating Return on Assets *0.520.520.54
Return on Equity *3.743.774.10
Net Interest Margin *2.232.272.21
Fee Income / Assets *0.410.400.36
Overhead / Assets *2.212.192.07
Efficiency Ratio78.1480.7478.75
Asset Quality%%%
Nonperforming Assets / Assets0.040.050.20
Nonperforming Assets / Equity & Loss Reserves0.510.542.55
Loss Reserves / Nonperforming Loansn/an/a256.12
1-4 Fam Mtg + MBS / Assets47.7950.9449.79
Commercial Real Estate Loans / Assets8.018.627.33
Construction Loans / Assets0.430.550.51
Commercial & Industrial Loans / Assets4.983.453.02
Consumer Loans / Assets0.840.850.80
Capitalization%%%
Equity / Assets8.148.217.46
Tangible Capital / Tangible Assets8.148.217.46
Risk-based Capital Ratio26.5126.9726.30
Liquidity%%%
Loans / Deposits30.2930.5328.42
Non-Interest Bearing Deposits / Deposits37.9539.8937.99
Purchased Liabilities2.290.270.25

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