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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 neutral
As of December 31, 2015
Federal Reserve System Identifier 6039




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$89,547$81,979$84,892
Loans Receivable, Net52,12348,87649,152
Mortgage-Backed Securities003
Investments11,35311,15011,548
Deposits81,12373,92876,939
Borrowings000
Equity8,2257,8257,736
Net Interest Income2,9742,8302,764
Fee Income530516496
Overhead3,1173,3363,281
Net Operating Income29844-966
Net Income33624-838
Ratio Analysis Profitability%%%
Return on Assets *0.390.03-0.98
Operating Return on Assets *0.340.05-1.13
Return on Equity *4.190.31-10.25
Net Interest Margin *3.873.643.61
Fee Income / Assets *0.610.610.58
Overhead / Assets *3.593.933.82
Efficiency Ratio90.4895.04112.09
Asset Quality%%%
Nonperforming Assets / Assets3.895.938.80
Nonperforming Assets / Equity & Loss Reserves38.5855.3182.43
Loss Reserves / Nonperforming Loans75.3534.1133.92
1-4 Fam Mtg + MBS / Assets7.127.966.75
Commercial Real Estate Loans / Assets21.5120.6718.76
Construction Loans / Assets1.721.804.08
Commercial & Industrial Loans / Assets4.965.897.63
Consumer Loans / Assets3.243.524.18
Capitalization%%%
Equity / Assets9.199.559.11
Tangible Capital / Tangible Assets9.199.559.11
Risk-based Capital Ratio14.6115.1413.94
Liquidity%%%
Loans / Deposits64.2566.1163.88
Non-Interest Bearing Deposits / Deposits31.9030.4227.86
Purchased Liabilities1.682.131.26

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