SAFE & SOUND® STAR RATINGS

Financial statement

ATASCOSA NATIONAL BANK
1525 W. OAKLAWN DRIVE
PLEASANTON, Texas 78064

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 851060




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$91,622$102,198$75,604
Loans Receivable, Net9,58611,60712,039
Mortgage-Backed Securities15,74612,95413,068
Investments7,8948,07611,519
Deposits84,63195,26868,621
Borrowings000
Equity6,8596,8236,758
Net Interest Income1,1021,3391,428
Fee Income136170199
Overhead1,3551,5121,456
Net Operating Income736305395
Net Income600295365
Ratio Analysis Profitability%%%
Return on Assets *0.660.350.53
Operating Return on Assets *0.810.360.57
Return on Equity *8.714.315.55
Net Interest Margin *1.251.622.17
Fee Income / Assets *0.150.200.29
Overhead / Assets *1.481.792.11
Efficiency Ratio67.6593.1684.75
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/a1.70
1-4 Fam Mtg + MBS / Assets18.4814.0120.64
Commercial Real Estate Loans / Assets3.212.964.60
Construction Loans / Assets0.770.550.48
Commercial & Industrial Loans / Assets1.031.443.05
Consumer Loans / Assets1.711.852.35
Capitalization%%%
Equity / Assets7.496.688.94
Tangible Capital / Tangible Assets7.496.688.94
Risk-based Capital Ratio25.3121.8735.39
Liquidity%%%
Loans / Deposits11.3312.1817.54
Non-Interest Bearing Deposits / Deposits44.0244.9039.92
Purchased Liabilities2.901.908.41

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