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 March 31, 2014
Federal Reserve System Identifier 851060




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$93,214$91,622$102,198
Loans Receivable, Net11,1149,58611,607
Mortgage-Backed Securities18,46215,74612,954
Investments5,4997,8948,076
Deposits86,15384,63195,268
Borrowings000
Equity6,9456,8596,823
Net Interest Income2931,1021,339
Fee Income37136170
Overhead3151,3551,512
Net Operating Income68736305
Net Income45600295
Ratio Analysis Profitability%%%
Return on Assets *0.210.660.35
Operating Return on Assets *0.140.810.36
Return on Equity *2.758.714.31
Net Interest Margin *1.271.251.62
Fee Income / Assets *0.150.150.20
Overhead / Assets *1.481.481.79
Efficiency Ratio89.2467.6593.16
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 / Assets20.9518.4814.01
Commercial Real Estate Loans / Assets3.283.212.96
Construction Loans / Assets1.920.770.55
Commercial & Industrial Loans / Assets1.661.031.44
Consumer Loans / Assets1.511.711.85
Capitalization%%%
Equity / Assets7.457.496.68
Tangible Capital / Tangible Assets7.457.496.68
Risk-based Capital Ratio24.8925.3121.87
Liquidity%%%
Loans / Deposits12.9011.3312.18
Non-Interest Bearing Deposits / Deposits44.1944.0244.90
Purchased Liabilities2.862.901.90

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