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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, 2016
Federal Reserve System Identifier 302030




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$93,322$95,646$93,521
Loans Receivable, Net29,31429,93426,169
Mortgage-Backed Securities37,16537,46636,713
Investments1,4951,4951,493
Deposits85,10687,74185,705
Borrowings000
Equity8,0937,8747,677
Net Interest Income5231,9731,919
Fee Income74374351
Overhead4761,9201,937
Net Operating Income154529459
Net Income96330285
Ratio Analysis Profitability%%%
Return on Assets *0.360.350.32
Operating Return on Assets *0.580.570.52
Return on Equity *4.304.193.77
Net Interest Margin *2.322.242.27
Fee Income / Assets *0.360.400.40
Overhead / Assets *2.022.052.19
Efficiency Ratio75.5678.4080.74
Asset Quality%%%
Nonperforming Assets / Assets0.040.040.05
Nonperforming Assets / Equity & Loss Reserves0.390.410.54
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets52.9852.3750.94
Commercial Real Estate Loans / Assets8.378.288.62
Construction Loans / Assets0.540.490.55
Commercial & Industrial Loans / Assets6.015.763.45
Consumer Loans / Assets0.910.950.85
Capitalization%%%
Equity / Assets8.678.238.21
Tangible Capital / Tangible Assets8.678.238.21
Risk-based Capital Ratio25.3324.5226.97
Liquidity%%%
Loans / Deposits34.4434.1230.53
Non-Interest Bearing Deposits / Deposits34.5936.7039.89
Purchased Liabilities2.472.320.27

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