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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, 2014
Federal Reserve System Identifier 302030




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$93,521$96,562$91,338
Loans Receivable, Net26,16925,35925,339
Mortgage-Backed Securities36,71336,84739,476
Investments1,4931,4900
Deposits85,70589,23883,670
Borrowings000
Equity7,6777,1997,610
Net Interest Income1,9191,9141,911
Fee Income351324332
Overhead1,9371,8572,078
Net Operating Income459481422
Net Income285300263
Ratio Analysis Profitability%%%
Return on Assets *0.320.330.32
Operating Return on Assets *0.520.540.51
Return on Equity *3.774.103.49
Net Interest Margin *2.272.212.40
Fee Income / Assets *0.400.360.40
Overhead / Assets *2.192.072.51
Efficiency Ratio80.7478.7586.08
Asset Quality%%%
Nonperforming Assets / Assets0.050.200.43
Nonperforming Assets / Equity & Loss Reserves0.542.554.86
Loss Reserves / Nonperforming Loansn/a256.12122.90
1-4 Fam Mtg + MBS / Assets50.9449.7956.59
Commercial Real Estate Loans / Assets8.627.336.61
Construction Loans / Assets0.550.510.62
Commercial & Industrial Loans / Assets3.453.023.33
Consumer Loans / Assets0.850.800.54
Capitalization%%%
Equity / Assets8.217.468.33
Tangible Capital / Tangible Assets8.217.468.33
Risk-based Capital Ratio26.9726.3026.16
Liquidity%%%
Loans / Deposits30.5328.4230.28
Non-Interest Bearing Deposits / Deposits39.8937.9939.91
Purchased Liabilities0.270.250.57

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