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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 March 31, 2015
Federal Reserve System Identifier 424352




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$105,236$100,856$93,406
Loans Receivable, Net60,31760,40950,561
Mortgage-Backed Securities12,09812,71213,000
Investments16,19915,39415,676
Deposits95,02489,81785,363
Borrowings01,4000
Equity9,9539,5007,854
Net Interest Income1,1234,2223,740
Fee Income105462457
Overhead9373,6343,420
Net Operating Income3521,3311,036
Net Income3521,3311,036
Ratio Analysis Profitability%%%
Return on Assets *1.361.381.17
Operating Return on Assets *1.361.381.17
Return on Equity *14.3914.7713.25
Net Interest Margin *4.574.544.36
Fee Income / Assets *0.450.480.52
Overhead / Assets *3.743.763.86
Efficiency Ratio70.2471.1473.77
Asset Quality%%%
Nonperforming Assets / Assets0.190.240.24
Nonperforming Assets / Equity & Loss Reserves1.772.292.47
Loss Reserves / Nonperforming Loans43300.002560.784338.46
1-4 Fam Mtg + MBS / Assets30.7930.8030.58
Commercial Real Estate Loans / Assets16.9617.3816.87
Construction Loans / Assets5.195.152.36
Commercial & Industrial Loans / Assets6.157.036.22
Consumer Loans / Assets8.178.578.95
Capitalization%%%
Equity / Assets9.469.428.41
Tangible Capital / Tangible Assets9.469.428.41
Risk-based Capital Ratio16.5815.8716.32
Liquidity%%%
Loans / Deposits63.4867.2659.23
Non-Interest Bearing Deposits / Deposits36.3736.2831.19
Purchased Liabilities7.717.426.21

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