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SAFE & SOUND® STAR RATINGS

ANAHUAC NATIONAL BANK

801 SOUTH ROSS STERLING
ANAHUAC, Texas 77514

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 424352




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$114,375$100,856$93,406
Loans Receivable, Net63,42960,40950,561
Mortgage-Backed Securities18,11912,71213,000
Investments16,00115,39415,676
Deposits101,34689,81785,363
Borrowings01,4000
Equity12,6109,5007,854
Net Interest Income3,4534,2223,740
Fee Income333462457
Overhead2,8273,6343,420
Net Operating Income1,1611,3311,036
Net Income1,1611,3311,036
Ratio Analysis Profitability%%%
Return on Assets *1.451.381.17
Operating Return on Assets *1.451.381.17
Return on Equity *14.4114.7713.25
Net Interest Margin *4.514.544.36
Fee Income / Assets *0.430.480.52
Overhead / Assets *3.613.763.86
Efficiency Ratio68.5771.1473.77
Asset Quality%%%
Nonperforming Assets / Assets0.290.240.24
Nonperforming Assets / Equity & Loss Reserves2.362.292.47
Loss Reserves / Nonperforming Loans1026.122560.784338.46
1-4 Fam Mtg + MBS / Assets32.8230.8030.58
Commercial Real Estate Loans / Assets17.0917.3816.87
Construction Loans / Assets5.345.152.36
Commercial & Industrial Loans / Assets5.837.036.22
Consumer Loans / Assets7.278.578.95
Capitalization%%%
Equity / Assets11.039.428.41
Tangible Capital / Tangible Assets11.039.428.41
Risk-based Capital Ratio19.9015.8716.32
Liquidity%%%
Loans / Deposits62.5967.2659.23
Non-Interest Bearing Deposits / Deposits33.6836.2831.19
Purchased Liabilities4.987.426.21

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