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SAFE & SOUND® STAR RATINGS

AMISTAD BANK

1301 VETERANS BLVD
DEL RIO, Texas 78840

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




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$26,676$28,115$33,522
Loans Receivable, Net15,70214,08114,521
Mortgage-Backed Securities2,1342,3361,953
Investments000
Deposits22,80724,43929,833
Borrowings209219294
Equity3,4583,3053,219
Net Interest Income7879871,032
Fee Income107141168
Overhead9971,3571,423
Net Operating Income205232272
Net Income134153178
Ratio Analysis Profitability%%%
Return on Assets *0.670.540.74
Operating Return on Assets *1.030.821.14
Return on Equity *5.554.715.66
Net Interest Margin *4.574.204.60
Fee Income / Assets *0.530.500.70
Overhead / Assets *4.844.805.95
Efficiency Ratio82.5384.9783.66
Asset Quality%%%
Nonperforming Assets / Assets0.610.270.31
Nonperforming Assets / Equity & Loss Reserves4.402.172.98
Loss Reserves / Nonperforming Loans150.92311.69234.95
1-4 Fam Mtg + MBS / Assets17.8217.6513.54
Commercial Real Estate Loans / Assets34.5026.5623.02
Construction Loans / Assets9.068.798.15
Commercial & Industrial Loans / Assets3.193.562.65
Consumer Loans / Assets2.602.082.08
Capitalization%%%
Equity / Assets12.9611.769.60
Tangible Capital / Tangible Assets12.9611.769.60
Risk-based Capital Ratio16.5820.5819.68
Liquidity%%%
Loans / Deposits68.8557.6248.67
Non-Interest Bearing Deposits / Deposits28.6128.3249.35
Purchased Liabilities1.752.911.57

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