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, 2013
Federal Reserve System Identifier 6039




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$84,892$82,330$89,447
Loans Receivable, Net49,15250,61150,986
Mortgage-Backed Securities3159198
Investments11,5484,8113,532
Deposits76,93973,43280,415
Borrowings000
Equity7,7368,7418,730
Net Interest Income2,7642,8912,806
Fee Income496538558
Overhead3,2812,7842,958
Net Operating Income-96602
Net Income-8382439
Ratio Analysis Profitability%%%
Return on Assets *-0.980.030.04
Operating Return on Assets *-1.130.000.00
Return on Equity *-10.250.280.44
Net Interest Margin *3.613.843.69
Fee Income / Assets *0.580.630.65
Overhead / Assets *3.823.273.47
Efficiency Ratio112.0983.1094.29
Asset Quality%%%
Nonperforming Assets / Assets8.8011.549.96
Nonperforming Assets / Equity & Loss Reserves82.4394.6590.24
Loss Reserves / Nonperforming Loans33.9219.342.25
1-4 Fam Mtg + MBS / Assets6.757.518.20
Commercial Real Estate Loans / Assets18.7625.0025.05
Construction Loans / Assets4.082.182.93
Commercial & Industrial Loans / Assets7.638.676.76
Consumer Loans / Assets4.184.384.18
Capitalization%%%
Equity / Assets9.1110.629.76
Tangible Capital / Tangible Assets9.1110.629.76
Risk-based Capital Ratio13.9416.0016.13
Liquidity%%%
Loans / Deposits63.8868.9263.40
Non-Interest Bearing Deposits / Deposits27.8626.5227.49
Purchased Liabilities1.261.7111.83

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