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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, 2015
Federal Reserve System Identifier 851060




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$102,789$102,299$91,622
Loans Receivable, Net12,43913,2729,586
Mortgage-Backed Securities20,20620,13415,746
Investments6,8935,0287,894
Deposits95,64095,18784,631
Borrowings000
Equity7,0447,0446,859
Net Interest Income3241,2431,102
Fee Income32139136
Overhead3121,3601,355
Net Operating Income89261736
Net Income61202600
Ratio Analysis Profitability%%%
Return on Assets *0.220.210.66
Operating Return on Assets *0.290.270.81
Return on Equity *3.092.878.71
Net Interest Margin *1.341.341.25
Fee Income / Assets *0.140.140.15
Overhead / Assets *1.381.421.48
Efficiency Ratio81.6890.9167.65
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 / Assets21.8921.9518.48
Commercial Real Estate Loans / Assets2.812.833.21
Construction Loans / Assets2.422.280.77
Commercial & Industrial Loans / Assets1.402.121.03
Consumer Loans / Assets1.041.101.71
Capitalization%%%
Equity / Assets6.856.897.49
Tangible Capital / Tangible Assets6.856.897.49
Risk-based Capital Ratio24.1123.1125.31
Liquidity%%%
Loans / Deposits13.0113.9411.33
Non-Interest Bearing Deposits / Deposits44.4847.7544.02
Purchased Liabilities2.492.042.90

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