SAFE & SOUND® STAR RATINGS

Financial statement

BALLINGER NATIONAL BANK
900 HUTCHINGS AVENUE
BALLINGER, Texas 76821

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 1429028




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$46,725$43,466$42,427
Loans Receivable, Net17,95519,15517,991
Mortgage-Backed Securities19,52415,72016,577
Investments1,6961,6742,776
Deposits41,90738,78637,392
Borrowings000
Equity4,6594,3024,607
Net Interest Income7501,4651,535
Fee Income113282274
Overhead7681,5231,612
Net Operating Income213325369
Net Income213325369
Ratio Analysis Profitability%%%
Return on Assets *0.810.730.84
Operating Return on Assets *0.810.730.84
Return on Equity *7.987.207.71
Net Interest Margin *3.503.433.70
Fee Income / Assets *0.580.630.62
Overhead / Assets *3.503.433.67
Efficiency Ratio82.3279.1682.79
Asset Quality%%%
Nonperforming Assets / Assets1.682.300.79
Nonperforming Assets / Equity & Loss Reserves15.8021.696.88
Loss Reserves / Nonperforming Loans40.0832.3391.33
1-4 Fam Mtg + MBS / Assets52.4348.1750.12
Commercial Real Estate Loans / Assets3.213.353.25
Construction Loans / Assets0.000.080.05
Commercial & Industrial Loans / Assets5.686.177.66
Consumer Loans / Assets4.335.285.78
Capitalization%%%
Equity / Assets9.979.9010.86
Tangible Capital / Tangible Assets9.979.9010.86
Risk-based Capital Ratio22.2720.9922.55
Liquidity%%%
Loans / Deposits42.8449.3948.11
Non-Interest Bearing Deposits / Deposits34.3029.8526.85
Purchased Liabilities1.101.181.88

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