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SAFE & SOUND® STAR RATINGS

Financial statement

ANAHUAC NATIONAL BANK
801 SOUTH ROSS STERLING
ANAHUAC, Texas 77514

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 424352




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$84,991$73,358$68,845
Loans Receivable, Net48,05348,09245,458
Mortgage-Backed Securities5,9935,2131,804
Investments9,1549,86014,075
Deposits76,95964,66761,862
Borrowings01,0000
Equity7,8497,4986,779
Net Interest Income3,5443,5033,216
Fee Income437449559
Overhead3,2773,2193,151
Net Operating Income954841635
Net Income954841635
Ratio Analysis Profitability%%%
Return on Assets *1.231.170.88
Operating Return on Assets *1.231.170.88
Return on Equity *12.1411.448.94
Net Interest Margin *4.845.364.94
Fee Income / Assets *0.560.630.78
Overhead / Assets *4.224.494.40
Efficiency Ratio75.2876.2481.04
Asset Quality%%%
Nonperforming Assets / Assets0.920.880.16
Nonperforming Assets / Equity & Loss Reserves8.847.741.50
Loss Reserves / Nonperforming Loansn/a1.761.54
1-4 Fam Mtg + MBS / Assets24.7126.0420.68
Commercial Real Estate Loans / Assets17.6622.2622.68
Construction Loans / Assets2.912.702.59
Commercial & Industrial Loans / Assets6.106.326.13
Consumer Loans / Assets9.5210.9812.23
Capitalization%%%
Equity / Assets9.2410.229.85
Tangible Capital / Tangible Assets9.2410.229.85
Risk-based Capital Ratio16.1415.1215.01
Liquidity%%%
Loans / Deposits62.4474.3773.48
Non-Interest Bearing Deposits / Deposits30.2127.6426.13
Purchased Liabilities2.2821.1720.66

* 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
0.67% 0.62%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
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