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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 September 30, 2015
Federal Reserve System Identifier 302030




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$88,996$93,521$96,562
Loans Receivable, Net28,68326,16925,359
Mortgage-Backed Securities37,17436,71336,847
Investments1,4941,4931,490
Deposits80,86485,70589,238
Borrowings000
Equity7,9817,6777,199
Net Interest Income1,4561,9191,914
Fee Income292351324
Overhead1,4671,9371,857
Net Operating Income373459481
Net Income232285300
Ratio Analysis Profitability%%%
Return on Assets *0.340.320.33
Operating Return on Assets *0.560.520.54
Return on Equity *4.013.774.10
Net Interest Margin *2.202.272.21
Fee Income / Assets *0.440.400.36
Overhead / Assets *2.152.192.07
Efficiency Ratio79.7380.7478.75
Asset Quality%%%
Nonperforming Assets / Assets0.040.050.20
Nonperforming Assets / Equity & Loss Reserves0.470.542.55
Loss Reserves / Nonperforming Loansn/an/a256.12
1-4 Fam Mtg + MBS / Assets55.0550.9449.79
Commercial Real Estate Loans / Assets9.088.627.33
Construction Loans / Assets0.510.550.51
Commercial & Industrial Loans / Assets5.433.453.02
Consumer Loans / Assets1.060.850.80
Capitalization%%%
Equity / Assets8.978.217.46
Tangible Capital / Tangible Assets8.978.217.46
Risk-based Capital Ratio25.6326.9726.30
Liquidity%%%
Loans / Deposits35.4730.5328.42
Non-Interest Bearing Deposits / Deposits32.6939.8937.99
Purchased Liabilities2.490.270.25

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