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SAFE & SOUND® STAR RATINGS

Financial statement

BALLINGER NATIONAL BANK
900 HUTCHINGS AVENUE
BALLINGER, Texas 76821

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 1429028




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$42,427$43,317$37,643
Loans Receivable, Net17,99119,43520,195
Mortgage-Backed Securities16,57711,5883,956
Investments2,7766,6679,692
Deposits37,39238,34932,513
Borrowings000
Equity4,6074,6074,581
Net Interest Income1,5351,5301,650
Fee Income274287323
Overhead1,6121,6351,598
Net Operating Income369332522
Net Income369332522
Ratio Analysis Profitability%%%
Return on Assets *0.840.811.35
Operating Return on Assets *0.840.811.35
Return on Equity *7.716.9810.82
Net Interest Margin *3.703.954.61
Fee Income / Assets *0.620.710.84
Overhead / Assets *3.674.034.15
Efficiency Ratio82.7982.8376.06
Asset Quality%%%
Nonperforming Assets / Assets0.791.440.43
Nonperforming Assets / Equity & Loss Reserves6.8812.773.36
Loss Reserves / Nonperforming Loans91.331.401.33
1-4 Fam Mtg + MBS / Assets50.1238.3123.39
Commercial Real Estate Loans / Assets3.252.742.58
Construction Loans / Assets0.050.000.00
Commercial & Industrial Loans / Assets7.666.517.90
Consumer Loans / Assets5.786.387.56
Capitalization%%%
Equity / Assets10.8610.6412.17
Tangible Capital / Tangible Assets10.8610.6412.17
Risk-based Capital Ratio22.5521.7821.97
Liquidity%%%
Loans / Deposits48.1150.6862.11
Non-Interest Bearing Deposits / Deposits26.8527.8224.69
Purchased Liabilities1.8815.6216.89

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.65% 0.64%
Compare rates:
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