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SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 3463875




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$87,801$79,033$66,457
Loans Receivable, Net58,78046,78743,824
Mortgage-Backed Securities5,3615,6325,264
Investments18,20112,5479,479
Deposits79,12670,93658,922
Borrowings378481769
Equity8,1907,4726,645
Net Interest Income3,3192,9162,558
Fee Income211192142
Overhead2,3512,1161,913
Net Operating Income954802602
Net Income954802602
Ratio Analysis Profitability%%%
Return on Assets *1.161.110.99
Operating Return on Assets *1.161.110.99
Return on Equity *12.1611.239.38
Net Interest Margin *4.124.174.35
Fee Income / Assets *0.260.270.23
Overhead / Assets *2.852.953.16
Efficiency Ratio65.8567.2470.15
Asset Quality%%%
Nonperforming Assets / Assets0.180.050.00
Nonperforming Assets / Equity & Loss Reserves1.720.510.00
Loss Reserves / Nonperforming Loans606.371.551.58
1-4 Fam Mtg + MBS / Assets29.2829.0030.25
Commercial Real Estate Loans / Assets8.137.947.14
Construction Loans / Assets9.293.915.15
Commercial & Industrial Loans / Assets18.9317.1721.36
Consumer Loans / Assets3.934.356.05
Capitalization%%%
Equity / Assets9.339.4510.00
Tangible Capital / Tangible Assets9.339.4510.00
Risk-based Capital Ratio14.3317.0217.03
Liquidity%%%
Loans / Deposits74.2965.9674.38
Non-Interest Bearing Deposits / Deposits17.1114.2812.40
Purchased Liabilities8.6825.3623.99

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.65% 0.65%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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