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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, 2014
Federal Reserve System Identifier 851060




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$102,299$91,622$102,198
Loans Receivable, Net13,2729,58611,607
Mortgage-Backed Securities20,13415,74612,954
Investments5,0287,8948,076
Deposits95,18784,63195,268
Borrowings000
Equity7,0446,8596,823
Net Interest Income1,2431,1021,339
Fee Income139136170
Overhead1,3601,3551,512
Net Operating Income261736305
Net Income202600295
Ratio Analysis Profitability%%%
Return on Assets *0.210.660.35
Operating Return on Assets *0.270.810.36
Return on Equity *2.878.714.31
Net Interest Margin *1.341.251.62
Fee Income / Assets *0.140.150.20
Overhead / Assets *1.421.481.79
Efficiency Ratio90.9167.6593.16
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 / Assets21.9518.4814.01
Commercial Real Estate Loans / Assets2.833.212.96
Construction Loans / Assets2.280.770.55
Commercial & Industrial Loans / Assets2.121.031.44
Consumer Loans / Assets1.101.711.85
Capitalization%%%
Equity / Assets6.897.496.68
Tangible Capital / Tangible Assets6.897.496.68
Risk-based Capital Ratio23.1125.3121.87
Liquidity%%%
Loans / Deposits13.9411.3312.18
Non-Interest Bearing Deposits / Deposits47.7544.0244.90
Purchased Liabilities2.042.901.90

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