SAFE & SOUND® STAR RATINGS

Financial statement

AUSTIN COUNTY STATE BANK
436 SOUTH FRONT STREET
BELLVILLE, Texas 77418

STAR RATING: 5 starstarstarstarstar
Predictive Indicator - (decline)
As of December 31, 2013
Federal Reserve System Identifier 3463875




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$101,104$87,801$79,033
Loans Receivable, Net72,16358,78046,787
Mortgage-Backed Securities2,7265,3615,632
Investments15,37018,20112,547
Deposits91,50579,12670,936
Borrowings290378481
Equity9,2158,1907,472
Net Interest Income3,9403,3192,916
Fee Income157211192
Overhead2,6122,3512,116
Net Operating Income1,223954802
Net Income1,223954802
Ratio Analysis Profitability%%%
Return on Assets *1.311.161.11
Operating Return on Assets *1.311.161.11
Return on Equity *14.4912.1611.23
Net Interest Margin *4.334.124.17
Fee Income / Assets *0.170.260.27
Overhead / Assets *2.802.852.95
Efficiency Ratio63.1765.8567.24
Asset Quality%%%
Nonperforming Assets / Assets0.320.180.05
Nonperforming Assets / Equity & Loss Reserves3.111.720.51
Loss Reserves / Nonperforming Loans380.31606.371.55
1-4 Fam Mtg + MBS / Assets26.9729.2829.00
Commercial Real Estate Loans / Assets7.898.137.94
Construction Loans / Assets11.259.293.91
Commercial & Industrial Loans / Assets19.4618.9317.17
Consumer Loans / Assets3.263.934.35
Capitalization%%%
Equity / Assets9.119.339.45
Tangible Capital / Tangible Assets9.119.339.45
Risk-based Capital Ratio14.4714.3317.02
Liquidity%%%
Loans / Deposits78.8674.2965.96
Non-Interest Bearing Deposits / Deposits18.7217.1114.28
Purchased Liabilities12.268.6825.36

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

Connect with us