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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 September 30, 2015
Federal Reserve System Identifier 851060




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$93,126$102,299$91,622
Loans Receivable, Net12,54613,2729,586
Mortgage-Backed Securities20,39920,13415,746
Investments8,4585,0287,894
Deposits85,98795,18784,631
Borrowings000
Equity6,9827,0446,859
Net Interest Income9371,2431,102
Fee Income103139136
Overhead9211,3601,355
Net Operating Income248261736
Net Income187202600
Ratio Analysis Profitability%%%
Return on Assets *0.200.210.66
Operating Return on Assets *0.280.270.81
Return on Equity *2.882.878.71
Net Interest Margin *1.341.341.25
Fee Income / Assets *0.140.140.15
Overhead / Assets *1.341.421.48
Efficiency Ratio82.0990.9167.65
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.010.000.00
Loss Reserves / Nonperforming Loans18400.00n/an/a
1-4 Fam Mtg + MBS / Assets24.5921.9518.48
Commercial Real Estate Loans / Assets2.442.833.21
Construction Loans / Assets2.602.280.77
Commercial & Industrial Loans / Assets1.982.121.03
Consumer Loans / Assets1.381.101.71
Capitalization%%%
Equity / Assets7.506.897.49
Tangible Capital / Tangible Assets7.506.897.49
Risk-based Capital Ratio27.1823.1125.31
Liquidity%%%
Loans / Deposits14.5913.9411.33
Non-Interest Bearing Deposits / Deposits43.2947.7544.02
Purchased Liabilities2.982.042.90

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