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SAFE & SOUND® STAR RATINGS

ALMA EXCHANGE BANK & TRUST

501 WEST 12TH STREET
ALMA, Georgia 31510

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 6039




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$87,223$89,547$81,979
Loans Receivable, Net53,10852,12348,876
Mortgage-Backed Securities000
Investments12,40811,35311,150
Deposits78,48281,12373,928
Borrowings000
Equity8,4568,2257,825
Net Interest Income9592,9742,830
Fee Income126530516
Overhead7813,1173,336
Net Operating Income30929844
Net Income19633624
Ratio Analysis Profitability%%%
Return on Assets *0.530.390.03
Operating Return on Assets *0.570.340.05
Return on Equity *5.734.190.31
Net Interest Margin *4.153.873.64
Fee Income / Assets *0.600.610.61
Overhead / Assets *3.623.593.93
Efficiency Ratio71.6590.4895.04
Asset Quality%%%
Nonperforming Assets / Assets2.973.895.93
Nonperforming Assets / Equity & Loss Reserves27.9638.5855.31
Loss Reserves / Nonperforming Loans138.8675.3534.11
1-4 Fam Mtg + MBS / Assets7.307.127.96
Commercial Real Estate Loans / Assets22.1921.5120.67
Construction Loans / Assets1.271.721.80
Commercial & Industrial Loans / Assets5.674.965.89
Consumer Loans / Assets3.203.243.52
Capitalization%%%
Equity / Assets9.699.199.55
Tangible Capital / Tangible Assets9.699.199.55
Risk-based Capital Ratio14.8814.6115.14
Liquidity%%%
Loans / Deposits67.6764.2566.11
Non-Interest Bearing Deposits / Deposits29.6731.9030.42
Purchased Liabilities1.991.682.13

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