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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 December 31, 2012
Federal Reserve System Identifier 6039




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$82,330$89,447$80,103
Loans Receivable, Net50,61150,98656,544
Mortgage-Backed Securities159198202
Investments4,8113,5323,466
Deposits73,43280,41571,123
Borrowings000
Equity8,7418,7308,700
Net Interest Income2,8912,8062,960
Fee Income538558717
Overhead2,7842,9582,703
Net Operating Income02250
Net Income2439206
Ratio Analysis Profitability%%%
Return on Assets *0.030.040.25
Operating Return on Assets *0.000.000.30
Return on Equity *0.280.442.36
Net Interest Margin *3.843.694.07
Fee Income / Assets *0.630.650.88
Overhead / Assets *3.273.473.30
Efficiency Ratio83.194.2972.96
Asset Quality%%%
Nonperforming Assets / Assets11.549.966.55
Nonperforming Assets / Equity & Loss Reserves94.6590.2452.93
Loss Reserves / Nonperforming Loans19.342.252.15
1-4 Fam Mtg + MBS / Assets7.518.2010.26
Commercial Real Estate Loans / Assets25.0025.0524.54
Construction Loans / Assets2.182.936.81
Commercial & Industrial Loans / Assets8.676.7610.90
Consumer Loans / Assets4.384.185.68
Capitalization%%%
Equity / Assets10.629.7610.86
Tangible Capital / Tangible Assets10.629.7610.86
Risk-based Capital Ratio16.0016.1315.43
Liquidity%%%
Loans / Deposits68.9263.4079.50
Non-Interest Bearing Deposits / Deposits26.5227.4914.05
Purchased Liabilities1.7111.8313.93

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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