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SAFE & SOUND® STAR RATINGS

Financial statement

AMISTAD BANK
1301 VETERANS BLVD
DEL RIO, Texas 78840

STAR RATING: 4 starstarstarstar G
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 30052




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$33,522$22,714$20,011
Loans Receivable, Net14,52113,77714,427
Mortgage-Backed Securities1,95300
Investments000
Deposits29,83319,17514,651
Borrowings2943392,382
Equity3,2193,0002,812
Net Interest Income1,032963950
Fee Income168165224
Overhead1,4231,3461,403
Net Operating Income272285280
Net Income178188185
Ratio Analysis Profitability%%%
Return on Assets *0.740.890.96
Operating Return on Assets *1.141.351.45
Return on Equity *5.666.436.78
Net Interest Margin *4.605.506.62
Fee Income / Assets *0.700.781.17
Overhead / Assets *5.956.397.32
Efficiency Ratio83.6682.2283.07
Asset Quality%%%
Nonperforming Assets / Assets0.310.000.67
Nonperforming Assets / Equity & Loss Reserves2.980.004.43
Loss Reserves / Nonperforming Loans234.951.761.64
1-4 Fam Mtg + MBS / Assets13.5411.7116.33
Commercial Real Estate Loans / Assets23.0233.5336.03
Construction Loans / Assets8.158.4614.01
Commercial & Industrial Loans / Assets2.655.406.34
Consumer Loans / Assets2.082.572.69
Capitalization%%%
Equity / Assets9.6013.2114.05
Tangible Capital / Tangible Assets9.6013.2114.05
Risk-based Capital Ratio19.6820.2318.38
Liquidity%%%
Loans / Deposits48.6771.8598.47
Non-Interest Bearing Deposits / Deposits49.3529.7124.52
Purchased Liabilities1.5710.1830.89

* 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
0.45% 0.41%
1 yr CD
0.65% 0.65%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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