SAFE & SOUND® STAR RATINGS

Financial statement

BALLINGER NATIONAL BANK
900 HUTCHINGS AVENUE
BALLINGER, Texas 76821

STAR RATING: 2 starstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 1429028




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$43,466$42,427$43,317
Loans Receivable, Net19,15517,99119,435
Mortgage-Backed Securities15,72016,57711,588
Investments1,6742,7766,667
Deposits38,78637,39238,349
Borrowings000
Equity4,3024,6074,607
Net Interest Income1,4651,5351,530
Fee Income282274287
Overhead1,5231,6121,635
Net Operating Income325369332
Net Income325369332
Ratio Analysis Profitability%%%
Return on Assets *0.730.840.81
Operating Return on Assets *0.730.840.81
Return on Equity *7.207.716.98
Net Interest Margin *3.433.703.95
Fee Income / Assets *0.630.620.71
Overhead / Assets *3.433.674.03
Efficiency Ratio79.1682.7982.83
Asset Quality%%%
Nonperforming Assets / Assets2.300.791.44
Nonperforming Assets / Equity & Loss Reserves21.696.8812.77
Loss Reserves / Nonperforming Loans32.3391.331.40
1-4 Fam Mtg + MBS / Assets48.1750.1238.31
Commercial Real Estate Loans / Assets3.353.252.74
Construction Loans / Assets0.080.050.00
Commercial & Industrial Loans / Assets6.177.666.51
Consumer Loans / Assets5.285.786.38
Capitalization%%%
Equity / Assets9.9010.8610.64
Tangible Capital / Tangible Assets9.9010.8610.64
Risk-based Capital Ratio20.9922.5521.78
Liquidity%%%
Loans / Deposits49.3948.1150.68
Non-Interest Bearing Deposits / Deposits29.8526.8527.82
Purchased Liabilities1.181.8815.62

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