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 September 30, 2014
Federal Reserve System Identifier 855143




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$79,143$78,633$73,660
Loans Receivable, Net48,81545,33241,767
Mortgage-Backed Securities9,0977,7669,262
Investments12,95818,58215,580
Deposits68,40569,06563,304
Borrowings001,000
Equity8,3027,4737,548
Net Interest Income2,6013,0872,653
Fee Income212278267
Overhead2,0242,6622,317
Net Operating Income825770640
Net Income620600517
Ratio Analysis Profitability%%%
Return on Assets *0.960.800.75
Operating Return on Assets *1.241.030.92
Return on Equity *9.467.946.91
Net Interest Margin *4.774.434.02
Fee Income / Assets *0.380.370.39
Overhead / Assets *3.653.553.35
Efficiency Ratio68.4075.9774.72
Asset Quality%%%
Nonperforming Assets / Assets0.460.620.15
Nonperforming Assets / Equity & Loss Reserves4.086.091.36
Loss Reserves / Nonperforming Loans180.66118.93475.25
1-4 Fam Mtg + MBS / Assets26.8723.2325.90
Commercial Real Estate Loans / Assets18.0617.8418.45
Construction Loans / Assets3.172.762.21
Commercial & Industrial Loans / Assets10.289.928.66
Consumer Loans / Assets3.763.754.70
Capitalization%%%
Equity / Assets10.499.5010.25
Tangible Capital / Tangible Assets10.499.5010.25
Risk-based Capital Ratio17.1116.4716.88
Liquidity%%%
Loans / Deposits71.3665.6465.98
Non-Interest Bearing Deposits / Deposits22.2522.6222.36
Purchased Liabilities13.5714.0815.63

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