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SAFE & SOUND® STAR RATINGS

AMISTAD BANK

1301 VETERANS BLVD
DEL RIO, Texas 78840

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 30052




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$27,788$27,963$28,115
Loans Receivable, Net14,35514,85414,081
Mortgage-Backed Securities2,0272,0812,336
Investments000
Deposits23,83222,57224,439
Borrowings203206219
Equity3,5983,5653,305
Net Interest Income2401,139987
Fee Income34144141
Overhead3471,3941,357
Net Operating Income36346232
Net Income24227153
Ratio Analysis Profitability%%%
Return on Assets *0.820.840.54
Operating Return on Assets *1.241.280.82
Return on Equity *6.246.594.71
Net Interest Margin *4.904.994.20
Fee Income / Assets *0.530.530.50
Overhead / Assets *5.285.174.80
Efficiency Ratio89.6679.7584.97
Asset Quality%%%
Nonperforming Assets / Assets0.230.240.27
Nonperforming Assets / Equity & Loss Reserves1.641.762.17
Loss Reserves / Nonperforming Loans400.00370.15311.69
1-4 Fam Mtg + MBS / Assets14.4615.5017.65
Commercial Real Estate Loans / Assets30.2829.3426.56
Construction Loans / Assets10.4610.738.79
Commercial & Industrial Loans / Assets2.073.183.56
Consumer Loans / Assets2.062.142.08
Capitalization%%%
Equity / Assets12.9512.7511.76
Tangible Capital / Tangible Assets12.9512.7511.76
Risk-based Capital Ratio20.3917.3720.58
Liquidity%%%
Loans / Deposits60.2365.8157.62
Non-Interest Bearing Deposits / Deposits28.5926.9828.32
Purchased Liabilities5.265.242.91

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