SAFE & SOUND® STAR RATINGS

Financial statement

AMISTAD BANK
1301 VETERANS BLVD
DEL RIO, Texas 78840

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of December 31, 2013
Federal Reserve System Identifier 30052




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$28,115$33,522$22,714
Loans Receivable, Net14,08114,52113,777
Mortgage-Backed Securities2,3361,9530
Investments000
Deposits24,43929,83319,175
Borrowings219294339
Equity3,3053,2193,000
Net Interest Income9871,032963
Fee Income141168165
Overhead1,3571,4231,346
Net Operating Income232272285
Net Income153178188
Ratio Analysis Profitability%%%
Return on Assets *0.540.740.89
Operating Return on Assets *0.821.141.35
Return on Equity *4.715.666.43
Net Interest Margin *4.204.605.50
Fee Income / Assets *0.500.700.78
Overhead / Assets *4.805.956.39
Efficiency Ratio84.9783.6682.22
Asset Quality%%%
Nonperforming Assets / Assets0.270.310.00
Nonperforming Assets / Equity & Loss Reserves2.172.980.00
Loss Reserves / Nonperforming Loans311.69234.951.76
1-4 Fam Mtg + MBS / Assets17.6513.5411.71
Commercial Real Estate Loans / Assets26.5623.0233.53
Construction Loans / Assets8.798.158.46
Commercial & Industrial Loans / Assets3.562.655.40
Consumer Loans / Assets2.082.082.57
Capitalization%%%
Equity / Assets11.769.6013.21
Tangible Capital / Tangible Assets11.769.6013.21
Risk-based Capital Ratio20.5819.6820.23
Liquidity%%%
Loans / Deposits57.6248.6771.85
Non-Interest Bearing Deposits / Deposits28.3249.3529.71
Purchased Liabilities2.911.5710.18

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