SAFE & SOUND® STAR RATINGS

Financial statement

BANK OF BELLE GLADE
108 SOUTHEAST AVENUE D
BELLE GLADE, Florida 33430

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 302030




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$82,672$96,562$91,338
Loans Receivable, Net25,52725,35925,339
Mortgage-Backed Securities36,02636,84739,476
Investments1,4921,4900
Deposits74,91289,23883,670
Borrowings000
Equity7,6257,1997,610
Net Interest Income1,4371,9141,911
Fee Income240324332
Overhead1,4461,8572,078
Net Operating Income326481422
Net Income203300263
Ratio Analysis Profitability%%%
Return on Assets *0.350.330.32
Operating Return on Assets *0.560.540.51
Return on Equity *4.074.103.49
Net Interest Margin *2.292.212.40
Fee Income / Assets *0.390.360.40
Overhead / Assets *2.152.072.51
Efficiency Ratio81.4678.7586.08
Asset Quality%%%
Nonperforming Assets / Assets0.060.200.43
Nonperforming Assets / Equity & Loss Reserves0.592.554.86
Loss Reserves / Nonperforming Loansn/a256.12122.90
1-4 Fam Mtg + MBS / Assets56.9949.7956.59
Commercial Real Estate Loans / Assets9.167.336.61
Construction Loans / Assets0.580.510.62
Commercial & Industrial Loans / Assets3.653.023.33
Consumer Loans / Assets0.990.800.54
Capitalization%%%
Equity / Assets9.227.468.33
Tangible Capital / Tangible Assets9.227.468.33
Risk-based Capital Ratio27.6926.3026.16
Liquidity%%%
Loans / Deposits34.0828.4230.28
Non-Interest Bearing Deposits / Deposits36.3237.9939.91
Purchased Liabilities0.250.250.57

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