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SAFE & SOUND® STAR RATINGS

AMISTAD BANK

1301 VETERANS BLVD
DEL RIO, Texas 78840

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 30052




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$28,576$28,482$27,963
Loans Receivable, Net16,37514,86214,854
Mortgage-Backed Securities1,7061,7522,081
Investments000
Deposits24,49324,43122,572
Borrowings189193206
Equity3,7313,6933,565
Net Interest Income2461,0171,139
Fee Income30138144
Overhead3551,3901,394
Net Operating Income35208346
Net Income22134227
Ratio Analysis Profitability%%%
Return on Assets *0.470.480.84
Operating Return on Assets *0.730.741.28
Return on Equity *3.603.686.59
Net Interest Margin *4.124.144.99
Fee Income / Assets *0.470.490.53
Overhead / Assets *4.934.955.17
Efficiency Ratio89.6585.9179.75
Asset Quality%%%
Nonperforming Assets / Assets0.200.240.24
Nonperforming Assets / Equity & Loss Reserves1.431.701.76
Loss Reserves / Nonperforming Loans443.86383.58370.15
1-4 Fam Mtg + MBS / Assets11.1012.6015.50
Commercial Real Estate Loans / Assets43.3737.4929.34
Construction Loans / Assets6.765.9110.73
Commercial & Industrial Loans / Assets1.521.793.18
Consumer Loans / Assets0.981.002.14
Capitalization%%%
Equity / Assets13.0612.9712.75
Tangible Capital / Tangible Assets13.0612.9712.75
Risk-based Capital Ratio19.5220.9717.37
Liquidity%%%
Loans / Deposits66.8660.8365.81
Non-Interest Bearing Deposits / Deposits31.6227.6226.98
Purchased Liabilities7.697.735.24

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