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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 March 31, 2015
Federal Reserve System Identifier 6039




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$83,508$81,979$84,892
Loans Receivable, Net48,60748,87649,152
Mortgage-Backed Securities003
Investments11,23611,15011,548
Deposits75,29573,92876,939
Borrowings000
Equity7,9447,8257,736
Net Interest Income7262,8302,764
Fee Income128516496
Overhead7133,3363,281
Net Operating Income10244-966
Net Income6524-838
Ratio Analysis Profitability%%%
Return on Assets *0.130.03-0.98
Operating Return on Assets *0.220.05-1.13
Return on Equity *1.430.31-10.25
Net Interest Margin *3.733.643.61
Fee Income / Assets *0.620.610.58
Overhead / Assets *3.763.933.82
Efficiency Ratio84.3895.04112.09
Asset Quality%%%
Nonperforming Assets / Assets5.745.938.80
Nonperforming Assets / Equity & Loss Reserves53.6655.3182.43
Loss Reserves / Nonperforming Loans78.4234.1133.92
1-4 Fam Mtg + MBS / Assets7.987.966.75
Commercial Real Estate Loans / Assets21.7120.6718.76
Construction Loans / Assets0.191.804.08
Commercial & Industrial Loans / Assets5.885.897.63
Consumer Loans / Assets3.323.524.18
Capitalization%%%
Equity / Assets9.519.559.11
Tangible Capital / Tangible Assets9.519.559.11
Risk-based Capital Ratio14.9015.1413.94
Liquidity%%%
Loans / Deposits64.5666.1163.88
Non-Interest Bearing Deposits / Deposits30.3630.4227.86
Purchased Liabilities1.822.131.26

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