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 March 31, 2014
Federal Reserve System Identifier 6039




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$85,985$84,892$82,330
Loans Receivable, Net48,53849,15250,611
Mortgage-Backed Securities13159
Investments11,28911,5484,811
Deposits77,98176,93973,432
Borrowings000
Equity7,7087,7368,741
Net Interest Income6732,7642,891
Fee Income122496538
Overhead8653,2812,784
Net Operating Income-38-9660
Net Income-23-83824
Ratio Analysis Profitability%%%
Return on Assets *-0.79-0.980.03
Operating Return on Assets *-0.83-1.130.00
Return on Equity *-8.55-10.250.28
Net Interest Margin *3.573.613.84
Fee Income / Assets *0.580.580.63
Overhead / Assets *3.923.823.27
Efficiency Ratio100.93112.0983.10
Asset Quality%%%
Nonperforming Assets / Assets8.868.8011.54
Nonperforming Assets / Equity & Loss Reserves84.0782.4394.65
Loss Reserves / Nonperforming Loans32.1333.9219.34
1-4 Fam Mtg + MBS / Assets6.526.757.51
Commercial Real Estate Loans / Assets18.2318.7625.00
Construction Loans / Assets2.584.082.18
Commercial & Industrial Loans / Assets7.457.638.67
Consumer Loans / Assets3.834.184.38
Capitalization%%%
Equity / Assets8.969.1110.62
Tangible Capital / Tangible Assets8.969.1110.62
Risk-based Capital Ratio14.0013.9416.00
Liquidity%%%
Loans / Deposits62.2463.8868.92
Non-Interest Bearing Deposits / Deposits26.6727.8626.52
Purchased Liabilities1.291.261.71

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