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SAFE & SOUND® STAR RATINGS

BALLINGER NATIONAL BANK

900 HUTCHINGS AVENUE
BALLINGER, Texas 76821

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of December 31, 2014
Federal Reserve System Identifier 1429028




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$45,809$43,466$42,427
Loans Receivable, Net16,82319,15517,991
Mortgage-Backed Securities21,13115,72016,577
Investments1,7011,6742,776
Deposits40,90738,78637,392
Borrowings000
Equity4,4934,3024,607
Net Interest Income1,5011,4651,535
Fee Income232282274
Overhead1,5441,5231,612
Net Operating Income383325369
Net Income383325369
Ratio Analysis Profitability%%%
Return on Assets *0.850.730.84
Operating Return on Assets *0.850.730.84
Return on Equity *8.417.207.71
Net Interest Margin *3.483.433.70
Fee Income / Assets *0.510.630.62
Overhead / Assets *3.423.433.67
Efficiency Ratio81.9579.1682.79
Asset Quality%%%
Nonperforming Assets / Assets1.642.300.79
Nonperforming Assets / Equity & Loss Reserves15.5421.696.88
Loss Reserves / Nonperforming Loans43.6632.3391.33
1-4 Fam Mtg + MBS / Assets55.7348.1750.12
Commercial Real Estate Loans / Assets3.233.353.25
Construction Loans / Assets0.100.080.05
Commercial & Industrial Loans / Assets5.396.177.66
Consumer Loans / Assets4.275.285.78
Capitalization%%%
Equity / Assets9.819.9010.86
Tangible Capital / Tangible Assets9.819.9010.86
Risk-based Capital Ratio21.9020.9922.55
Liquidity%%%
Loans / Deposits41.1249.3948.11
Non-Interest Bearing Deposits / Deposits32.4229.8526.85
Purchased Liabilities2.761.181.88

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