SAFE & SOUND® STAR RATINGS

Financial statement

BALLINGER NATIONAL BANK
900 HUTCHINGS AVENUE
BALLINGER, Texas 76821

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 1429028




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$44,759$43,466$42,427
Loans Receivable, Net18,37719,15517,991
Mortgage-Backed Securities16,98515,72016,577
Investments1,6821,6742,776
Deposits40,24638,78637,392
Borrowings000
Equity4,3944,3024,607
Net Interest Income3801,4651,535
Fee Income55282274
Overhead3891,5231,612
Net Operating Income80325369
Net Income80325369
Ratio Analysis Profitability%%%
Return on Assets *0.740.730.84
Operating Return on Assets *0.740.730.84
Return on Equity *7.387.207.71
Net Interest Margin *3.463.433.70
Fee Income / Assets *0.600.630.62
Overhead / Assets *3.473.433.67
Efficiency Ratio82.0779.1682.79
Asset Quality%%%
Nonperforming Assets / Assets1.822.300.79
Nonperforming Assets / Equity & Loss Reserves17.3121.696.88
Loss Reserves / Nonperforming Loans39.3432.3391.33
1-4 Fam Mtg + MBS / Assets49.6648.1750.12
Commercial Real Estate Loans / Assets2.853.353.25
Construction Loans / Assets0.000.080.05
Commercial & Industrial Loans / Assets6.146.177.66
Consumer Loans / Assets4.795.285.78
Capitalization%%%
Equity / Assets9.829.9010.86
Tangible Capital / Tangible Assets9.829.9010.86
Risk-based Capital Ratio21.7620.9922.55
Liquidity%%%
Loans / Deposits45.6649.3948.11
Non-Interest Bearing Deposits / Deposits32.6029.8526.85
Purchased Liabilities1.151.181.88

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

Connect with us