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SAFE & SOUND® STAR RATINGS

Financial statement

BANDERA FIRST STATE BANK
800 MAIN STREET
BANDERA, Texas 78003

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 3806481




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$44,668$40,187$26,310
Loans Receivable, Net19,04111,3738,911
Mortgage-Backed Securities13,98816,82213,188
Investments1,99200
Deposits39,02934,66120,579
Borrowings000
Equity5,5185,4535,671
Net Interest Income1,030679413
Fee Income242722
Overhead1,3131,199979
Net Operating Income38-318-578
Net Income38-318-578
Ratio Analysis Profitability%%%
Return on Assets *0.10-0.99-2.45
Operating Return on Assets *0.10-0.99-2.45
Return on Equity *0.70-5.75-9.73
Net Interest Margin *2.832.231.85
Fee Income / Assets *0.060.080.09
Overhead / Assets *3.383.774.15
Efficiency Ratio117.97160.94214.69
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/a1.040.99
1-4 Fam Mtg + MBS / Assets37.8046.2657.91
Commercial Real Estate Loans / Assets11.624.163.74
Construction Loans / Assets7.693.342.39
Commercial & Industrial Loans / Assets14.7810.5311.17
Consumer Loans / Assets1.570.910.85
Capitalization%%%
Equity / Assets12.3513.5721.55
Tangible Capital / Tangible Assets12.3513.5721.55
Risk-based Capital Ratio23.4533.0045.96
Liquidity%%%
Loans / Deposits48.7932.8143.30
Non-Interest Bearing Deposits / Deposits17.8228.118.97
Purchased Liabilities4.4316.9319.15

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
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