Institution Statistics
| Atascosa National Bank | | FDIC Certificate # | 24064 | | BankRate Report | View | | Year Established | 1982 | | Employees | 18 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $75.60 million | | Loans | $12.04 million | | Deposits | $68.62 million | | Equity Capital | $6.76 million | | Loan Loss Allowance | $205,000 |
Historic Data - December 2010 | | Assets | $65.51 million | | Equity Capital | $6.19 million | | Loan Loss Allowance | $203,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.19% | | Return on Assets | 0.53% | | Return on Equity | 5.62% | | Interest Income | $1.59 million |
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Institution Health
Overall Score:
5 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Atascosa National Bank had $0 in non-current loans and owned real-estate with $6.96 million in equity and loan loss allowances on hand to cover it. This gives Atascosa National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Atascosa National Bank has increased its total deposits by $9.38 million, resulting in 15.84% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Atascosa National Bank has shown is excellent. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Atascosa National Bank has $75.6 million in assets with $6.96 million in equity, resulting in a capitalization level of 9.21%, which is average. |
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