SAFE & SOUND® STAR RATINGS

Financial statement

BANK OF AUGUSTA, THE
100 SOUTH SECOND STREET
AUGUSTA, Arkansas 72006

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 855143




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$83,877$78,633$73,660
Loans Receivable, Net46,44445,33241,767
Mortgage-Backed Securities8,4557,7669,262
Investments17,20518,58215,580
Deposits73,83669,06563,304
Borrowings001,000
Equity7,7307,4737,548
Net Interest Income8423,0872,653
Fee Income67278267
Overhead6572,6622,317
Net Operating Income285770640
Net Income192600517
Ratio Analysis Profitability%%%
Return on Assets *0.840.800.75
Operating Return on Assets *1.141.030.92
Return on Equity *8.537.946.91
Net Interest Margin *4.504.434.02
Fee Income / Assets *0.370.370.39
Overhead / Assets *3.583.553.35
Efficiency Ratio65.8375.9774.72
Asset Quality%%%
Nonperforming Assets / Assets0.420.620.15
Nonperforming Assets / Equity & Loss Reserves4.276.091.36
Loss Reserves / Nonperforming Loans187.21118.93475.25
1-4 Fam Mtg + MBS / Assets23.6923.2325.90
Commercial Real Estate Loans / Assets17.1717.8418.45
Construction Loans / Assets2.372.762.21
Commercial & Industrial Loans / Assets9.179.928.66
Consumer Loans / Assets3.483.754.70
Capitalization%%%
Equity / Assets9.229.5010.25
Tangible Capital / Tangible Assets9.229.5010.25
Risk-based Capital Ratio16.4216.4716.88
Liquidity%%%
Loans / Deposits62.9065.6465.98
Non-Interest Bearing Deposits / Deposits26.8522.6222.36
Purchased Liabilities13.8214.0815.63

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