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SAFE & SOUND® STAR RATINGS

BALLINGER NATIONAL BANK

900 HUTCHINGS AVENUE
BALLINGER, Texas 76821

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 1429028




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$46,071$45,809$43,466
Loans Receivable, Net16,41116,82319,155
Mortgage-Backed Securities20,30021,13115,720
Investments1,7171,7011,674
Deposits41,41040,90738,786
Borrowings000
Equity4,5754,4934,302
Net Interest Income3681,5011,465
Fee Income57232282
Overhead4001,5441,523
Net Operating Income106383325
Net Income106383325
Ratio Analysis Profitability%%%
Return on Assets *0.890.850.73
Operating Return on Assets *0.890.850.73
Return on Equity *8.898.417.20
Net Interest Margin *3.423.483.43
Fee Income / Assets *0.510.510.63
Overhead / Assets *3.403.423.43
Efficiency Ratio85.6581.9579.16
Asset Quality%%%
Nonperforming Assets / Assets1.491.642.30
Nonperforming Assets / Equity & Loss Reserves14.0315.5421.69
Loss Reserves / Nonperforming Loans47.9743.6632.33
1-4 Fam Mtg + MBS / Assets53.7555.7348.17
Commercial Real Estate Loans / Assets3.063.233.35
Construction Loans / Assets0.100.100.08
Commercial & Industrial Loans / Assets5.025.396.17
Consumer Loans / Assets3.874.275.28
Capitalization%%%
Equity / Assets9.939.819.90
Tangible Capital / Tangible Assets9.939.819.90
Risk-based Capital Ratio22.5321.9020.99
Liquidity%%%
Loans / Deposits39.6341.1249.39
Non-Interest Bearing Deposits / Deposits33.0932.4229.85
Purchased Liabilities2.752.761.18

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