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SAFE & SOUND® STAR RATINGS

ALMA EXCHANGE BANK & TRUST

501 WEST 12TH STREET
ALMA, Georgia 31510

STAR RATING: 2 starstar
Predictive Indicator - (decline)
As of December 31, 2014
Federal Reserve System Identifier 6039




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$81,979$84,892$82,330
Loans Receivable, Net48,87649,15250,611
Mortgage-Backed Securities03159
Investments11,15011,5484,811
Deposits73,92876,93973,432
Borrowings000
Equity7,8257,7368,741
Net Interest Income2,8302,7642,891
Fee Income516496538
Overhead3,3363,2812,784
Net Operating Income44-9660
Net Income24-83824
Ratio Analysis Profitability%%%
Return on Assets *0.03-0.980.03
Operating Return on Assets *0.05-1.130.00
Return on Equity *0.31-10.250.28
Net Interest Margin *3.643.613.84
Fee Income / Assets *0.610.580.63
Overhead / Assets *3.933.823.27
Efficiency Ratio95.04112.0983.10
Asset Quality%%%
Nonperforming Assets / Assets5.938.8011.54
Nonperforming Assets / Equity & Loss Reserves55.3182.4394.65
Loss Reserves / Nonperforming Loans34.1133.9219.34
1-4 Fam Mtg + MBS / Assets7.966.757.51
Commercial Real Estate Loans / Assets20.6718.7625.00
Construction Loans / Assets1.804.082.18
Commercial & Industrial Loans / Assets5.897.638.67
Consumer Loans / Assets3.524.184.38
Capitalization%%%
Equity / Assets9.559.1110.62
Tangible Capital / Tangible Assets9.559.1110.62
Risk-based Capital Ratio15.1413.9416.00
Liquidity%%%
Loans / Deposits66.1163.8868.92
Non-Interest Bearing Deposits / Deposits30.4227.8626.52
Purchased Liabilities2.131.261.71

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