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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 December 31, 2015
Federal Reserve System Identifier 30052




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$28,482$27,963$28,115
Loans Receivable, Net14,86214,85414,081
Mortgage-Backed Securities1,7522,0812,336
Investments000
Deposits24,43122,57224,439
Borrowings193206219
Equity3,6933,5653,305
Net Interest Income1,0171,139987
Fee Income138144141
Overhead1,3901,3941,357
Net Operating Income208346232
Net Income134227153
Ratio Analysis Profitability%%%
Return on Assets *0.480.840.54
Operating Return on Assets *0.741.280.82
Return on Equity *3.686.594.71
Net Interest Margin *4.144.994.20
Fee Income / Assets *0.490.530.50
Overhead / Assets *4.955.174.80
Efficiency Ratio85.9179.7584.97
Asset Quality%%%
Nonperforming Assets / Assets0.240.240.27
Nonperforming Assets / Equity & Loss Reserves1.701.762.17
Loss Reserves / Nonperforming Loans383.58370.15311.69
1-4 Fam Mtg + MBS / Assets12.6015.5017.65
Commercial Real Estate Loans / Assets37.4929.3426.56
Construction Loans / Assets5.9110.738.79
Commercial & Industrial Loans / Assets1.793.183.56
Consumer Loans / Assets1.002.142.08
Capitalization%%%
Equity / Assets12.9712.7511.76
Tangible Capital / Tangible Assets12.9712.7511.76
Risk-based Capital Ratio20.9717.3720.58
Liquidity%%%
Loans / Deposits60.8365.8157.62
Non-Interest Bearing Deposits / Deposits27.6226.9828.32
Purchased Liabilities7.735.242.91

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