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SAFE & SOUND® STAR RATINGS

Financial statement

AMERICAN NATIONAL BANK OF MOUNT PLEASANT, THE
301 S MADISON AVE
MOUNT PLEASANT, Texas 75456

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 764067




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$83,044$87,294$99,453
Loans Receivable, Net51,15950,53754,381
Mortgage-Backed Securities9,56312,24118,030
Investments13,44714,50814,491
Deposits72,99177,32675,898
Borrowings0014,712
Equity9,5869,4658,651
Net Interest Income3,3672,9422,921
Fee Income331352425
Overhead2,5912,5232,360
Net Operating Income1,25567141
Net Income1,1156341
Ratio Analysis Profitability%%%
Return on Assets *1.320.060.04
Operating Return on Assets *1.480.060.14
Return on Equity *11.270.670.45
Net Interest Margin *4.163.253.22
Fee Income / Assets *0.390.360.44
Overhead / Assets *3.062.602.44
Efficiency Ratio66.5273.0770.66
Asset Quality%%%
Nonperforming Assets / Assets0.320.912.14
Nonperforming Assets / Equity & Loss Reserves2.457.3721.25
Loss Reserves / Nonperforming Loans450.762.662.50
1-4 Fam Mtg + MBS / Assets33.3435.7637.75
Commercial Real Estate Loans / Assets13.2514.5413.34
Construction Loans / Assets2.111.721.26
Commercial & Industrial Loans / Assets7.196.234.79
Consumer Loans / Assets8.307.777.19
Capitalization%%%
Equity / Assets11.5410.848.70
Tangible Capital / Tangible Assets11.5410.848.70
Risk-based Capital Ratio19.7219.7618.23
Liquidity%%%
Loans / Deposits70.0965.3671.65
Non-Interest Bearing Deposits / Deposits20.0816.7816.73
Purchased Liabilities6.5520.5232.80

* 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
0.41% 0.41%
1 yr CD
0.62% 0.62%
5 yr CD
1.23% 1.23%
1 yr jumbo CD
0.64% 0.65%
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