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 March 31, 2014
Federal Reserve System Identifier 302030




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$91,812$96,562$91,338
Loans Receivable, Net24,53925,35925,339
Mortgage-Backed Securities35,78536,84739,476
Investments1,4911,4900
Deposits84,38989,23883,670
Borrowings000
Equity7,3767,1997,610
Net Interest Income4811,9141,911
Fee Income92324332
Overhead4721,8572,078
Net Operating Income134481422
Net Income83300263
Ratio Analysis Profitability%%%
Return on Assets *0.350.330.32
Operating Return on Assets *0.560.540.51
Return on Equity *4.374.103.49
Net Interest Margin *2.232.212.40
Fee Income / Assets *0.360.360.40
Overhead / Assets *2.032.072.51
Efficiency Ratio77.5078.7586.08
Asset Quality%%%
Nonperforming Assets / Assets0.120.200.43
Nonperforming Assets / Equity & Loss Reserves1.432.554.86
Loss Reserves / Nonperforming Loans398.21256.12122.90
1-4 Fam Mtg + MBS / Assets50.9149.7956.59
Commercial Real Estate Loans / Assets7.467.336.61
Construction Loans / Assets0.520.510.62
Commercial & Industrial Loans / Assets3.243.023.33
Consumer Loans / Assets0.890.800.54
Capitalization%%%
Equity / Assets8.037.468.33
Tangible Capital / Tangible Assets8.037.468.33
Risk-based Capital Ratio27.5626.3026.16
Liquidity%%%
Loans / Deposits29.0828.4230.28
Non-Interest Bearing Deposits / Deposits34.4037.9939.91
Purchased Liabilities0.270.250.57

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