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SAFE & SOUND® STAR RATINGS

Financial statement

ALLENDALE COUNTY BANK
SEVENTH & PICKENS STREETS
FAIRFAX, South Carolina 29827

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 704326




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$56,170$54,301$55,388
Loans Receivable, Net26,08225,04026,193
Mortgage-Backed Securities000
Investments21,17721,23621,149
Deposits52,57250,64751,731
Borrowings000
Equity3,4733,5103,505
Net Interest Income2,1582,3072,399
Fee Income167187221
Overhead1,8902,0142,068
Net Operating Income131315
Net Income51315
Ratio Analysis Profitability%%%
Return on Assets *0.010.020.02
Operating Return on Assets *0.020.020.02
Return on Equity *0.140.370.42
Net Interest Margin *4.424.544.93
Fee Income / Assets *0.300.330.39
Overhead / Assets *3.343.523.68
Efficiency Ratio79.6579.3277.57
Asset Quality%%%
Nonperforming Assets / Assets1.140.630.11
Nonperforming Assets / Equity & Loss Reserves15.718.341.52
Loss Reserves / Nonperforming Loans93.752.402.21
1-4 Fam Mtg + MBS / Assets7.867.356.66
Commercial Real Estate Loans / Assets3.243.513.94
Construction Loans / Assets0.000.000.00
Commercial & Industrial Loans / Assets1.671.662.14
Consumer Loans / Assets33.8933.8233.58
Capitalization%%%
Equity / Assets6.186.466.33
Tangible Capital / Tangible Assets6.186.466.33
Risk-based Capital Ratio12.2512.1711.96
Liquidity%%%
Loans / Deposits49.6149.4450.63
Non-Interest Bearing Deposits / Deposits22.9621.9523.42
Purchased Liabilities0.0023.7819.96

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.64% 0.65%
Compare rates:
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