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 June 30, 2014
Federal Reserve System Identifier 851060




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$92,624$91,622$102,198
Loans Receivable, Net11,7619,58611,607
Mortgage-Backed Securities20,44215,74612,954
Investments5,0207,8948,076
Deposits85,44384,63195,268
Borrowings000
Equity7,1226,8596,823
Net Interest Income5961,1021,339
Fee Income73136170
Overhead6371,3551,512
Net Operating Income153736305
Net Income126600295
Ratio Analysis Profitability%%%
Return on Assets *0.230.660.35
Operating Return on Assets *0.170.810.36
Return on Equity *3.048.714.31
Net Interest Margin *1.291.251.62
Fee Income / Assets *0.160.150.20
Overhead / Assets *1.491.481.79
Efficiency Ratio88.2367.6593.16
Asset Quality%%%
Nonperforming Assets / Assets0.020.000.00
Nonperforming Assets / Equity & Loss Reserves0.190.000.00
Loss Reserves / Nonperforming Loans1314.29n/an/a
1-4 Fam Mtg + MBS / Assets23.8418.4814.01
Commercial Real Estate Loans / Assets3.473.212.96
Construction Loans / Assets1.920.770.55
Commercial & Industrial Loans / Assets1.601.031.44
Consumer Loans / Assets1.531.711.85
Capitalization%%%
Equity / Assets7.697.496.68
Tangible Capital / Tangible Assets7.697.496.68
Risk-based Capital Ratio25.3625.3121.87
Liquidity%%%
Loans / Deposits13.7611.3312.18
Non-Interest Bearing Deposits / Deposits46.5044.0244.90
Purchased Liabilities2.582.901.90

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