SAFE & SOUND® STAR RATINGS

Financial statement

BALLINGER NATIONAL BANK
900 HUTCHINGS AVENUE
BALLINGER, Texas 76821

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 1429028




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$44,747$43,466$42,427
Loans Receivable, Net17,19519,15517,991
Mortgage-Backed Securities18,96915,72016,577
Investments1,6921,6742,776
Deposits39,89538,78637,392
Borrowings000
Equity4,6784,3024,607
Net Interest Income1,1331,4651,535
Fee Income174282274
Overhead1,1471,5231,612
Net Operating Income309325369
Net Income309325369
Ratio Analysis Profitability%%%
Return on Assets *0.850.730.84
Operating Return on Assets *0.850.730.84
Return on Equity *8.307.207.71
Net Interest Margin *3.543.433.70
Fee Income / Assets *0.550.630.62
Overhead / Assets *3.503.433.67
Efficiency Ratio81.1779.1682.79
Asset Quality%%%
Nonperforming Assets / Assets1.802.300.79
Nonperforming Assets / Equity & Loss Reserves16.1321.696.88
Loss Reserves / Nonperforming Loans40.1532.3391.33
1-4 Fam Mtg + MBS / Assets52.9748.1750.12
Commercial Real Estate Loans / Assets3.273.353.25
Construction Loans / Assets0.000.080.05
Commercial & Industrial Loans / Assets4.906.177.66
Consumer Loans / Assets4.455.285.78
Capitalization%%%
Equity / Assets10.459.9010.86
Tangible Capital / Tangible Assets10.459.9010.86
Risk-based Capital Ratio23.6020.9922.55
Liquidity%%%
Loans / Deposits43.1049.3948.11
Non-Interest Bearing Deposits / Deposits32.6429.8526.85
Purchased Liabilities1.151.181.88

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