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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 December 31, 2015
Federal Reserve System Identifier 302030




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$95,646$93,521$96,562
Loans Receivable, Net29,93426,16925,359
Mortgage-Backed Securities37,46636,71336,847
Investments1,4951,4931,490
Deposits87,74185,70589,238
Borrowings000
Equity7,8747,6777,199
Net Interest Income1,9731,9191,914
Fee Income374351324
Overhead1,9201,9371,857
Net Operating Income529459481
Net Income330285300
Ratio Analysis Profitability%%%
Return on Assets *0.350.320.33
Operating Return on Assets *0.570.520.54
Return on Equity *4.193.774.10
Net Interest Margin *2.242.272.21
Fee Income / Assets *0.400.400.36
Overhead / Assets *2.052.192.07
Efficiency Ratio78.4080.7478.75
Asset Quality%%%
Nonperforming Assets / Assets0.040.050.20
Nonperforming Assets / Equity & Loss Reserves0.410.542.55
Loss Reserves / Nonperforming Loansn/an/a256.12
1-4 Fam Mtg + MBS / Assets52.3750.9449.79
Commercial Real Estate Loans / Assets8.288.627.33
Construction Loans / Assets0.490.550.51
Commercial & Industrial Loans / Assets5.763.453.02
Consumer Loans / Assets0.950.850.80
Capitalization%%%
Equity / Assets8.238.217.46
Tangible Capital / Tangible Assets8.238.217.46
Risk-based Capital Ratio24.5226.9726.30
Liquidity%%%
Loans / Deposits34.1230.5328.42
Non-Interest Bearing Deposits / Deposits36.7039.8937.99
Purchased Liabilities2.320.270.25

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