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SAFE & SOUND® STAR RATINGS

BALLINGER NATIONAL BANK

900 HUTCHINGS AVENUE
BALLINGER, Texas 76821

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 1429028




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$45,935$44,435$45,809
Loans Receivable, Net17,49216,85616,823
Mortgage-Backed Securities22,12523,15221,131
Investments1,2231,2161,701
Deposits41,39039,77540,907
Borrowings000
Equity4,4534,2544,493
Net Interest Income3871,4751,501
Fee Income57250232
Overhead4041,5711,544
Net Operating Income81349383
Net Income81349383
Ratio Analysis Profitability%%%
Return on Assets *0.700.750.85
Operating Return on Assets *0.700.750.85
Return on Equity *7.217.728.41
Net Interest Margin *3.433.383.48
Fee Income / Assets *0.540.540.51
Overhead / Assets *3.413.393.42
Efficiency Ratio83.3084.2881.95
Asset Quality%%%
Nonperforming Assets / Assets1.291.401.64
Nonperforming Assets / Equity & Loss Reserves12.3813.5415.54
Loss Reserves / Nonperforming Loans56.8353.3043.66
1-4 Fam Mtg + MBS / Assets58.3662.8455.73
Commercial Real Estate Loans / Assets3.052.973.23
Construction Loans / Assets0.460.470.10
Commercial & Industrial Loans / Assets5.555.645.39
Consumer Loans / Assets3.573.814.27
Capitalization%%%
Equity / Assets9.699.579.81
Tangible Capital / Tangible Assets9.699.579.81
Risk-based Capital Ratio21.4121.7321.90
Liquidity%%%
Loans / Deposits42.2642.3841.12
Non-Interest Bearing Deposits / Deposits34.9934.6232.42
Purchased Liabilities1.671.732.76

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