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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 March 31, 2015
Federal Reserve System Identifier 855143




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$85,216$79,029$78,633
Loans Receivable, Net50,73749,19145,332
Mortgage-Backed Securities12,2058,9947,766
Investments11,67213,06418,582
Deposits74,56968,09269,065
Borrowings000
Equity8,7138,5127,473
Net Interest Income8463,4913,087
Fee Income68287278
Overhead6602,7102,662
Net Operating Income2601,133770
Net Income193838600
Ratio Analysis Profitability%%%
Return on Assets *1.051.060.80
Operating Return on Assets *1.381.431.03
Return on Equity *9.9910.287.94
Net Interest Margin *4.684.714.43
Fee Income / Assets *0.360.360.37
Overhead / Assets *3.383.423.55
Efficiency Ratio68.9768.0475.97
Asset Quality%%%
Nonperforming Assets / Assets0.500.530.62
Nonperforming Assets / Equity & Loss Reserves4.614.636.09
Loss Reserves / Nonperforming Loans151.80144.60118.93
1-4 Fam Mtg + MBS / Assets30.2227.2423.23
Commercial Real Estate Loans / Assets17.1417.0817.84
Construction Loans / Assets2.543.002.76
Commercial & Industrial Loans / Assets10.7112.019.92
Consumer Loans / Assets2.923.453.75
Capitalization%%%
Equity / Assets10.2210.779.50
Tangible Capital / Tangible Assets10.2210.779.50
Risk-based Capital Ratio16.4917.1416.47
Liquidity%%%
Loans / Deposits68.0472.2465.64
Non-Interest Bearing Deposits / Deposits21.0721.4422.62
Purchased Liabilities15.8815.9514.08

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