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 June 30, 2014
Federal Reserve System Identifier 302030




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$90,174$96,562$91,338
Loans Receivable, Net25,20525,35925,339
Mortgage-Backed Securities35,63736,84739,476
Investments1,4921,4900
Deposits82,50889,23883,670
Borrowings000
Equity7,5847,1997,610
Net Interest Income9571,9141,911
Fee Income161324332
Overhead9601,8572,078
Net Operating Income225481422
Net Income139300263
Ratio Analysis Profitability%%%
Return on Assets *0.350.330.32
Operating Return on Assets *0.560.540.51
Return on Equity *4.274.103.49
Net Interest Margin *2.272.212.40
Fee Income / Assets *0.360.360.40
Overhead / Assets *2.062.072.51
Efficiency Ratio80.8178.7586.08
Asset Quality%%%
Nonperforming Assets / Assets0.060.200.43
Nonperforming Assets / Equity & Loss Reserves0.632.554.86
Loss Reserves / Nonperforming Loansn/a256.12122.90
1-4 Fam Mtg + MBS / Assets51.8149.7956.59
Commercial Real Estate Loans / Assets8.307.336.61
Construction Loans / Assets0.520.510.62
Commercial & Industrial Loans / Assets3.123.023.33
Consumer Loans / Assets0.880.800.54
Capitalization%%%
Equity / Assets8.417.468.33
Tangible Capital / Tangible Assets8.417.468.33
Risk-based Capital Ratio27.5626.3026.16
Liquidity%%%
Loans / Deposits30.5528.4230.28
Non-Interest Bearing Deposits / Deposits39.7937.9939.91
Purchased Liabilities0.280.250.57

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