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 June 30, 2014
Federal Reserve System Identifier 855143




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$79,728$78,633$73,660
Loans Receivable, Net47,15645,33241,767
Mortgage-Backed Securities8,8477,7669,262
Investments13,58518,58215,580
Deposits69,30669,06563,304
Borrowings001,000
Equity8,0537,4737,548
Net Interest Income1,7133,0872,653
Fee Income140278267
Overhead1,3372,6622,317
Net Operating Income553770640
Net Income407600517
Ratio Analysis Profitability%%%
Return on Assets *0.920.800.75
Operating Return on Assets *1.231.030.92
Return on Equity *9.237.946.91
Net Interest Margin *4.634.434.02
Fee Income / Assets *0.370.370.39
Overhead / Assets *3.593.553.35
Efficiency Ratio67.8775.9774.72
Asset Quality%%%
Nonperforming Assets / Assets0.460.620.15
Nonperforming Assets / Equity & Loss Reserves4.256.091.36
Loss Reserves / Nonperforming Loans171.84118.93475.25
1-4 Fam Mtg + MBS / Assets25.3623.2325.90
Commercial Real Estate Loans / Assets17.7317.8418.45
Construction Loans / Assets2.712.762.21
Commercial & Industrial Loans / Assets11.049.928.66
Consumer Loans / Assets3.673.754.70
Capitalization%%%
Equity / Assets10.109.5010.25
Tangible Capital / Tangible Assets10.109.5010.25
Risk-based Capital Ratio16.9116.4716.88
Liquidity%%%
Loans / Deposits68.0465.6465.98
Non-Interest Bearing Deposits / Deposits22.2822.6222.36
Purchased Liabilities13.1814.0815.63

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