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SAFE & SOUND® STAR RATINGS

ATASCOSA NATIONAL BANK

1525 W. OAKLAWN DRIVE
PLEASANTON, Texas 78064

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 851060




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$97,221$91,622$102,198
Loans Receivable, Net12,7239,58611,607
Mortgage-Backed Securities20,58515,74612,954
Investments5,0077,8948,076
Deposits90,12084,63195,268
Borrowings000
Equity7,0406,8596,823
Net Interest Income9131,1021,339
Fee Income104136170
Overhead9561,3551,512
Net Operating Income232736305
Net Income187600295
Ratio Analysis Profitability%%%
Return on Assets *0.270.660.35
Operating Return on Assets *0.230.810.36
Return on Equity *3.508.714.31
Net Interest Margin *1.331.251.62
Fee Income / Assets *0.150.150.20
Overhead / Assets *1.451.481.79
Efficiency Ratio86.7567.6593.16
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets22.8118.4814.01
Commercial Real Estate Loans / Assets3.113.212.96
Construction Loans / Assets2.290.770.55
Commercial & Industrial Loans / Assets2.291.031.44
Consumer Loans / Assets1.321.711.85
Capitalization%%%
Equity / Assets7.247.496.68
Tangible Capital / Tangible Assets7.247.496.68
Risk-based Capital Ratio23.8525.3121.87
Liquidity%%%
Loans / Deposits14.1211.3312.18
Non-Interest Bearing Deposits / Deposits47.0844.0244.90
Purchased Liabilities2.152.901.90

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