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 September 30, 2014
Federal Reserve System Identifier 6039




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$84,938$84,892$82,330
Loans Receivable, Net50,83949,15250,611
Mortgage-Backed Securities03159
Investments11,11511,5484,811
Deposits76,85576,93973,432
Borrowings000
Equity7,8097,7368,741
Net Interest Income2,1212,7642,891
Fee Income382496538
Overhead2,4893,2812,784
Net Operating Income44-9660
Net Income31-83824
Ratio Analysis Profitability%%%
Return on Assets *-0.59-0.980.03
Operating Return on Assets *-0.51-1.130.00
Return on Equity *-6.30-10.250.28
Net Interest Margin *3.613.613.84
Fee Income / Assets *0.590.580.63
Overhead / Assets *4.003.823.27
Efficiency Ratio93.47112.0983.10
Asset Quality%%%
Nonperforming Assets / Assets7.748.8011.54
Nonperforming Assets / Equity & Loss Reserves72.2482.4394.65
Loss Reserves / Nonperforming Loans32.3033.9219.34
1-4 Fam Mtg + MBS / Assets7.646.757.51
Commercial Real Estate Loans / Assets22.5018.7625.00
Construction Loans / Assets2.184.082.18
Commercial & Industrial Loans / Assets6.057.638.67
Consumer Loans / Assets3.464.184.38
Capitalization%%%
Equity / Assets9.199.1110.62
Tangible Capital / Tangible Assets9.199.1110.62
Risk-based Capital Ratio14.2513.9416.00
Liquidity%%%
Loans / Deposits66.1563.8868.92
Non-Interest Bearing Deposits / Deposits31.0427.8626.52
Purchased Liabilities2.031.261.71

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