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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 September 30, 2015
Federal Reserve System Identifier 30052




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$28,753$27,963$28,115
Loans Receivable, Net16,42914,85414,081
Mortgage-Backed Securities1,8442,0812,336
Investments000
Deposits24,67022,57224,439
Borrowings196206219
Equity3,6563,5653,305
Net Interest Income7481,139987
Fee Income107144141
Overhead1,0171,3941,357
Net Operating Income131346232
Net Income84227153
Ratio Analysis Profitability%%%
Return on Assets *0.640.840.54
Operating Return on Assets *0.981.280.82
Return on Equity *4.916.594.71
Net Interest Margin *4.514.994.20
Fee Income / Assets *0.520.530.50
Overhead / Assets *5.085.174.80
Efficiency Ratio87.3779.7584.97
Asset Quality%%%
Nonperforming Assets / Assets0.200.240.27
Nonperforming Assets / Equity & Loss Reserves1.481.762.17
Loss Reserves / Nonperforming Loans436.21370.15311.69
1-4 Fam Mtg + MBS / Assets14.4215.5017.65
Commercial Real Estate Loans / Assets33.6029.3426.56
Construction Loans / Assets12.2710.738.79
Commercial & Industrial Loans / Assets1.763.183.56
Consumer Loans / Assets1.922.142.08
Capitalization%%%
Equity / Assets12.7212.7511.76
Tangible Capital / Tangible Assets12.7212.7511.76
Risk-based Capital Ratio19.8817.3720.58
Liquidity%%%
Loans / Deposits66.6065.8157.62
Non-Interest Bearing Deposits / Deposits26.9226.9828.32
Purchased Liabilities8.535.242.91

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