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SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar G
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 851060




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$102,198$75,604$65,505
Loans Receivable, Net11,60712,03911,544
Mortgage-Backed Securities12,95413,06810,488
Investments8,07611,51913,270
Deposits95,26868,62159,238
Borrowings000
Equity6,8236,7586,189
Net Interest Income1,3391,4281,304
Fee Income170199214
Overhead1,5121,4561,438
Net Operating Income305395220
Net Income295365211
Ratio Analysis Profitability%%%
Return on Assets *0.350.530.36
Operating Return on Assets *0.360.570.38
Return on Equity *4.315.553.34
Net Interest Margin *1.622.172.36
Fee Income / Assets *0.200.290.37
Overhead / Assets *1.792.112.49
Efficiency Ratio93.1684.7590.16
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/a1.701.76
1-4 Fam Mtg + MBS / Assets14.0120.6420.46
Commercial Real Estate Loans / Assets2.964.604.85
Construction Loans / Assets0.550.480.06
Commercial & Industrial Loans / Assets1.443.053.13
Consumer Loans / Assets1.852.352.31
Capitalization%%%
Equity / Assets6.688.949.45
Tangible Capital / Tangible Assets6.688.949.45
Risk-based Capital Ratio21.8735.3928.32
Liquidity%%%
Loans / Deposits12.1817.5419.49
Non-Interest Bearing Deposits / Deposits44.9039.9231.58
Purchased Liabilities1.908.4112.43

* 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
0.45% 0.41%
1 yr CD
0.67% 0.63%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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