SAFE & SOUND® STAR RATINGS

Financial statement

AMISTAD BANK
1301 VETERANS BLVD
DEL RIO, Texas 78840

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of March 31, 2014
Federal Reserve System Identifier 30052




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$27,610$28,115$33,522
Loans Receivable, Net13,93314,08114,521
Mortgage-Backed Securities2,2962,3361,953
Investments000
Deposits23,89824,43929,833
Borrowings216219294
Equity3,3553,3053,219
Net Interest Income2589871,032
Fee Income37141168
Overhead3321,3571,423
Net Operating Income50232272
Net Income32153178
Ratio Analysis Profitability%%%
Return on Assets *0.600.540.74
Operating Return on Assets *0.920.821.14
Return on Equity *5.094.715.66
Net Interest Margin *4.284.204.60
Fee Income / Assets *0.520.500.70
Overhead / Assets *4.844.805.95
Efficiency Ratio85.7984.9783.66
Asset Quality%%%
Nonperforming Assets / Assets0.270.270.31
Nonperforming Assets / Equity & Loss Reserves2.062.172.98
Loss Reserves / Nonperforming Loans331.08311.69234.95
1-4 Fam Mtg + MBS / Assets17.5917.6513.54
Commercial Real Estate Loans / Assets30.0426.5623.02
Construction Loans / Assets6.988.798.15
Commercial & Industrial Loans / Assets2.163.562.65
Consumer Loans / Assets2.302.082.08
Capitalization%%%
Equity / Assets12.1511.769.60
Tangible Capital / Tangible Assets12.1511.769.60
Risk-based Capital Ratio20.4120.5819.68
Liquidity%%%
Loans / Deposits58.3057.6248.67
Non-Interest Bearing Deposits / Deposits29.2628.3249.35
Purchased Liabilities1.722.911.57

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