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SAFE & SOUND® STAR RATINGS

BANK OF AUGUSTA, THE

100 SOUTH SECOND STREET
AUGUSTA, Arkansas 72006

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




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$79,029$78,633$73,660
Loans Receivable, Net49,19145,33241,767
Mortgage-Backed Securities8,9947,7669,262
Investments13,06418,58215,580
Deposits68,09269,06563,304
Borrowings001,000
Equity8,5127,4737,548
Net Interest Income3,4913,0872,653
Fee Income287278267
Overhead2,7102,6622,317
Net Operating Income1,133770640
Net Income838600517
Ratio Analysis Profitability%%%
Return on Assets *1.060.800.75
Operating Return on Assets *1.431.030.92
Return on Equity *10.287.946.91
Net Interest Margin *4.714.434.02
Fee Income / Assets *0.360.370.39
Overhead / Assets *3.423.553.35
Efficiency Ratio68.0475.9774.72
Asset Quality%%%
Nonperforming Assets / Assets0.530.620.15
Nonperforming Assets / Equity & Loss Reserves4.636.091.36
Loss Reserves / Nonperforming Loans144.60118.93475.25
1-4 Fam Mtg + MBS / Assets27.2423.2325.90
Commercial Real Estate Loans / Assets17.0817.8418.45
Construction Loans / Assets3.002.762.21
Commercial & Industrial Loans / Assets12.019.928.66
Consumer Loans / Assets3.453.754.70
Capitalization%%%
Equity / Assets10.779.5010.25
Tangible Capital / Tangible Assets10.779.5010.25
Risk-based Capital Ratio17.1416.4716.88
Liquidity%%%
Loans / Deposits72.2465.6465.98
Non-Interest Bearing Deposits / Deposits21.4422.6222.36
Purchased Liabilities15.9514.0815.63

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