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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, 2014
Federal Reserve System Identifier 424352




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$100,471$93,406$84,991
Loans Receivable, Net58,24750,56148,053
Mortgage-Backed Securities14,00013,0005,993
Investments18,01415,6769,154
Deposits85,31885,36376,959
Borrowings5,50000
Equity9,2947,8547,849
Net Interest Income3,0973,7403,544
Fee Income346457437
Overhead2,6773,4203,277
Net Operating Income9751,036954
Net Income9751,036954
Ratio Analysis Profitability%%%
Return on Assets *1.341.171.23
Operating Return on Assets *1.341.171.23
Return on Equity *14.6313.2512.14
Net Interest Margin *4.574.364.84
Fee Income / Assets *0.500.520.56
Overhead / Assets *3.873.864.22
Efficiency Ratio71.1473.7775.28
Asset Quality%%%
Nonperforming Assets / Assets0.300.240.92
Nonperforming Assets / Equity & Loss Reserves2.852.478.84
Loss Reserves / Nonperforming Loans1220.954338.46n/a
1-4 Fam Mtg + MBS / Assets31.9630.5824.71
Commercial Real Estate Loans / Assets16.9216.8717.66
Construction Loans / Assets4.272.362.91
Commercial & Industrial Loans / Assets6.316.226.10
Consumer Loans / Assets8.838.959.52
Capitalization%%%
Equity / Assets9.258.419.24
Tangible Capital / Tangible Assets9.258.419.24
Risk-based Capital Ratio16.1116.3216.14
Liquidity%%%
Loans / Deposits68.2759.2362.44
Non-Interest Bearing Deposits / Deposits33.7231.1930.21
Purchased Liabilities11.796.212.28

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