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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, 2014
Federal Reserve System Identifier 424352




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$100,856$93,406$84,991
Loans Receivable, Net60,40950,56148,053
Mortgage-Backed Securities12,71213,0005,993
Investments15,39415,6769,154
Deposits89,81785,36376,959
Borrowings1,40000
Equity9,5007,8547,849
Net Interest Income4,2223,7403,544
Fee Income462457437
Overhead3,6343,4203,277
Net Operating Income1,3311,036954
Net Income1,3311,036954
Ratio Analysis Profitability%%%
Return on Assets *1.381.171.23
Operating Return on Assets *1.381.171.23
Return on Equity *14.7713.2512.14
Net Interest Margin *4.544.364.84
Fee Income / Assets *0.480.520.56
Overhead / Assets *3.763.864.22
Efficiency Ratio71.1473.7775.28
Asset Quality%%%
Nonperforming Assets / Assets0.240.240.92
Nonperforming Assets / Equity & Loss Reserves2.292.478.84
Loss Reserves / Nonperforming Loans2560.784338.46n/a
1-4 Fam Mtg + MBS / Assets30.8030.5824.71
Commercial Real Estate Loans / Assets17.3816.8717.66
Construction Loans / Assets5.152.362.91
Commercial & Industrial Loans / Assets7.036.226.10
Consumer Loans / Assets8.578.959.52
Capitalization%%%
Equity / Assets9.428.419.24
Tangible Capital / Tangible Assets9.428.419.24
Risk-based Capital Ratio15.8716.3216.14
Liquidity%%%
Loans / Deposits67.2659.2362.44
Non-Interest Bearing Deposits / Deposits36.2831.1930.21
Purchased Liabilities7.426.212.28

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