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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 December 31, 2015
Federal Reserve System Identifier 851060




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$94,823$102,299$91,622
Loans Receivable, Net12,02113,2729,586
Mortgage-Backed Securities19,92920,13415,746
Investments8,8165,0287,894
Deposits87,72495,18784,631
Borrowings000
Equity6,9717,0446,859
Net Interest Income1,2381,2431,102
Fee Income143139136
Overhead1,2841,3601,355
Net Operating Income278261736
Net Income212202600
Ratio Analysis Profitability%%%
Return on Assets *0.220.210.66
Operating Return on Assets *0.290.270.81
Return on Equity *3.032.878.71
Net Interest Margin *1.341.341.25
Fee Income / Assets *0.150.140.15
Overhead / Assets *1.331.421.48
Efficiency Ratio86.0690.9167.65
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 / Assets24.0321.9518.48
Commercial Real Estate Loans / Assets2.102.833.21
Construction Loans / Assets2.152.280.77
Commercial & Industrial Loans / Assets2.352.121.03
Consumer Loans / Assets1.351.101.71
Capitalization%%%
Equity / Assets7.356.897.49
Tangible Capital / Tangible Assets7.356.897.49
Risk-based Capital Ratio27.7423.1125.31
Liquidity%%%
Loans / Deposits13.7013.9411.33
Non-Interest Bearing Deposits / Deposits44.7447.7544.02
Purchased Liabilities2.942.042.90

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