SAFE & SOUND® STAR RATINGS

Financial statement

AMISTAD BANK
1301 VETERANS BLVD
DEL RIO, Texas 78840

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of June 30, 2014
Federal Reserve System Identifier 30052




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$25,599$28,115$33,522
Loans Receivable, Net14,29614,08114,521
Mortgage-Backed Securities2,2352,3361,953
Investments000
Deposits21,80924,43929,833
Borrowings212219294
Equity3,4073,3053,219
Net Interest Income5229871,032
Fee Income70141168
Overhead6701,3571,423
Net Operating Income120232272
Net Income78153178
Ratio Analysis Profitability%%%
Return on Assets *0.660.540.74
Operating Return on Assets *1.000.821.14
Return on Equity *5.434.715.66
Net Interest Margin *4.444.204.60
Fee Income / Assets *0.520.500.70
Overhead / Assets *4.854.805.95
Efficiency Ratio84.1784.9783.66
Asset Quality%%%
Nonperforming Assets / Assets0.660.270.31
Nonperforming Assets / Equity & Loss Reserves4.652.172.98
Loss Reserves / Nonperforming Loans144.71311.69234.95
1-4 Fam Mtg + MBS / Assets19.5717.6513.54
Commercial Real Estate Loans / Assets31.8426.5623.02
Construction Loans / Assets8.868.798.15
Commercial & Industrial Loans / Assets2.053.562.65
Consumer Loans / Assets2.562.082.08
Capitalization%%%
Equity / Assets13.3111.769.60
Tangible Capital / Tangible Assets13.3111.769.60
Risk-based Capital Ratio19.4020.5819.68
Liquidity%%%
Loans / Deposits65.5557.6248.67
Non-Interest Bearing Deposits / Deposits30.7728.3249.35
Purchased Liabilities1.612.911.57

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