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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 December 31, 2015
Federal Reserve System Identifier 424352




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$112,717$100,856$93,406
Loans Receivable, Net63,90760,40950,561
Mortgage-Backed Securities17,02512,71213,000
Investments16,23215,39415,676
Deposits100,41789,81785,363
Borrowings01,4000
Equity12,1439,5007,854
Net Interest Income4,6794,2223,740
Fee Income441462457
Overhead3,8023,6343,420
Net Operating Income1,5941,3311,036
Net Income1,5941,3311,036
Ratio Analysis Profitability%%%
Return on Assets *1.481.381.17
Operating Return on Assets *1.481.381.17
Return on Equity *14.2514.7713.25
Net Interest Margin *4.484.544.36
Fee Income / Assets *0.410.480.52
Overhead / Assets *3.543.763.86
Efficiency Ratio68.1971.1473.77
Asset Quality%%%
Nonperforming Assets / Assets0.220.240.24
Nonperforming Assets / Equity & Loss Reserves1.822.292.47
Loss Reserves / Nonperforming Loans2800.002560.784338.46
1-4 Fam Mtg + MBS / Assets32.5330.8030.58
Commercial Real Estate Loans / Assets17.3217.3816.87
Construction Loans / Assets5.225.152.36
Commercial & Industrial Loans / Assets6.157.036.22
Consumer Loans / Assets7.168.578.95
Capitalization%%%
Equity / Assets10.779.428.41
Tangible Capital / Tangible Assets10.779.428.41
Risk-based Capital Ratio19.0315.8716.32
Liquidity%%%
Loans / Deposits63.6467.2659.23
Non-Interest Bearing Deposits / Deposits35.2136.2831.19
Purchased Liabilities4.897.426.21

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