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, 2013
Federal Reserve System Identifier 3806481




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$49,607$44,668$40,187
Loans Receivable, Net32,26719,04111,373
Mortgage-Backed Securities11,10613,98816,822
Investments1,8451,9920
Deposits44,37239,02934,661
Borrowings000
Equity5,1795,5185,453
Net Interest Income1,4051,030679
Fee Income322427
Overhead1,2961,3131,199
Net Operating Income10938-318
Net Income10938-318
Ratio Analysis Profitability%%%
Return on Assets *0.240.10-0.99
Operating Return on Assets *0.240.10-0.99
Return on Equity *2.090.70-5.75
Net Interest Margin *3.282.832.23
Fee Income / Assets *0.070.060.08
Overhead / Assets *2.893.383.77
Efficiency Ratio85.66117.97160.94
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/a1.04
1-4 Fam Mtg + MBS / Assets32.9937.8046.26
Commercial Real Estate Loans / Assets21.8811.624.16
Construction Loans / Assets9.967.693.34
Commercial & Industrial Loans / Assets16.9614.7810.53
Consumer Loans / Assets2.211.570.91
Capitalization%%%
Equity / Assets10.4412.3513.57
Tangible Capital / Tangible Assets10.4412.3513.57
Risk-based Capital Ratio16.5923.4533.00
Liquidity%%%
Loans / Deposits72.7248.7932.81
Non-Interest Bearing Deposits / Deposits15.3017.8228.11
Purchased Liabilities7.064.4316.93

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