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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 September 30, 2015
Federal Reserve System Identifier 6039




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$86,206$81,979$84,892
Loans Receivable, Net51,50448,87649,152
Mortgage-Backed Securities003
Investments11,32511,15011,548
Deposits77,98873,92876,939
Borrowings000
Equity7,9967,8257,736
Net Interest Income2,2172,8302,764
Fee Income390516496
Overhead2,3553,3363,281
Net Operating Income14344-966
Net Income9324-838
Ratio Analysis Profitability%%%
Return on Assets *0.100.03-0.98
Operating Return on Assets *0.170.05-1.13
Return on Equity *1.090.31-10.25
Net Interest Margin *3.863.643.61
Fee Income / Assets *0.610.610.58
Overhead / Assets *3.753.933.82
Efficiency Ratio93.1695.04112.09
Asset Quality%%%
Nonperforming Assets / Assets5.035.938.80
Nonperforming Assets / Equity & Loss Reserves48.6755.3182.43
Loss Reserves / Nonperforming Loans67.8134.1133.92
1-4 Fam Mtg + MBS / Assets7.887.966.75
Commercial Real Estate Loans / Assets21.7220.6718.76
Construction Loans / Assets0.511.804.08
Commercial & Industrial Loans / Assets5.685.897.63
Consumer Loans / Assets3.483.524.18
Capitalization%%%
Equity / Assets9.289.559.11
Tangible Capital / Tangible Assets9.289.559.11
Risk-based Capital Ratio14.2315.1413.94
Liquidity%%%
Loans / Deposits66.0466.1163.88
Non-Interest Bearing Deposits / Deposits33.1130.4227.86
Purchased Liabilities1.712.131.26

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