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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 December 31, 2015
Federal Reserve System Identifier 1429028




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$44,435$45,809$43,466
Loans Receivable, Net16,85616,82319,155
Mortgage-Backed Securities23,15221,13115,720
Investments1,2161,7011,674
Deposits39,77540,90738,786
Borrowings000
Equity4,2544,4934,302
Net Interest Income1,4751,5011,465
Fee Income250232282
Overhead1,5711,5441,523
Net Operating Income349383325
Net Income349383325
Ratio Analysis Profitability%%%
Return on Assets *0.750.850.73
Operating Return on Assets *0.750.850.73
Return on Equity *7.728.417.20
Net Interest Margin *3.383.483.43
Fee Income / Assets *0.540.510.63
Overhead / Assets *3.393.423.43
Efficiency Ratio84.2881.9579.16
Asset Quality%%%
Nonperforming Assets / Assets1.401.642.30
Nonperforming Assets / Equity & Loss Reserves13.5415.5421.69
Loss Reserves / Nonperforming Loans53.3043.6632.33
1-4 Fam Mtg + MBS / Assets62.8455.7348.17
Commercial Real Estate Loans / Assets2.973.233.35
Construction Loans / Assets0.470.100.08
Commercial & Industrial Loans / Assets5.645.396.17
Consumer Loans / Assets3.814.275.28
Capitalization%%%
Equity / Assets9.579.819.90
Tangible Capital / Tangible Assets9.579.819.90
Risk-based Capital Ratio21.7321.9020.99
Liquidity%%%
Loans / Deposits42.3841.1249.39
Non-Interest Bearing Deposits / Deposits34.6232.4229.85
Purchased Liabilities1.732.761.18

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