SAFE & SOUND® STAR RATINGS

Financial statement

ALMA EXCHANGE BANK & TRUST
501 WEST 12TH STREET
ALMA, Georgia 31510

STAR RATING: 1 star
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 6039




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$86,844$84,892$82,330
Loans Receivable, Net50,25549,15250,611
Mortgage-Backed Securities03159
Investments11,35911,5484,811
Deposits78,73176,93973,432
Borrowings000
Equity7,7777,7368,741
Net Interest Income1,3692,7642,891
Fee Income243496538
Overhead1,6963,2812,784
Net Operating Income0-9660
Net Income2-83824
Ratio Analysis Profitability%%%
Return on Assets *-0.49-0.980.03
Operating Return on Assets *-0.35-1.130.00
Return on Equity *-5.29-10.250.28
Net Interest Margin *3.543.613.84
Fee Income / Assets *0.580.580.63
Overhead / Assets *4.053.823.27
Efficiency Ratio95.77112.0983.10
Asset Quality%%%
Nonperforming Assets / Assets8.008.8011.54
Nonperforming Assets / Equity & Loss Reserves75.6982.4394.65
Loss Reserves / Nonperforming Loans32.2533.9219.34
1-4 Fam Mtg + MBS / Assets7.256.757.51
Commercial Real Estate Loans / Assets21.3018.7625.00
Construction Loans / Assets2.374.082.18
Commercial & Industrial Loans / Assets5.867.638.67
Consumer Loans / Assets3.704.184.38
Capitalization%%%
Equity / Assets8.969.1110.62
Tangible Capital / Tangible Assets8.969.1110.62
Risk-based Capital Ratio14.0513.9416.00
Liquidity%%%
Loans / Deposits63.8363.8868.92
Non-Interest Bearing Deposits / Deposits29.5327.8626.52
Purchased Liabilities1.281.261.71

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