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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 March 31, 2016
Federal Reserve System Identifier 851060




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$93,381$94,823$102,299
Loans Receivable, Net13,06412,02113,272
Mortgage-Backed Securities20,06519,92920,134
Investments8,8008,8165,028
Deposits86,12987,72495,187
Borrowings000
Equity7,0996,9717,044
Net Interest Income3501,2381,243
Fee Income32143139
Overhead3111,2841,360
Net Operating Income103278261
Net Income83212202
Ratio Analysis Profitability%%%
Return on Assets *0.250.220.21
Operating Return on Assets *0.310.290.27
Return on Equity *3.333.032.87
Net Interest Margin *1.401.341.34
Fee Income / Assets *0.150.150.14
Overhead / Assets *1.361.331.42
Efficiency Ratio75.1286.0690.91
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 / Assets24.0424.0321.95
Commercial Real Estate Loans / Assets2.892.102.83
Construction Loans / Assets2.142.152.28
Commercial & Industrial Loans / Assets3.402.352.12
Consumer Loans / Assets1.291.351.10
Capitalization%%%
Equity / Assets7.607.356.89
Tangible Capital / Tangible Assets7.607.356.89
Risk-based Capital Ratio28.8727.7423.11
Liquidity%%%
Loans / Deposits15.1713.7013.94
Non-Interest Bearing Deposits / Deposits44.2544.7447.75
Purchased Liabilities2.992.942.04

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