SAFE & SOUND® STAR RATINGS

Financial statement

BANDERA BANK
207 MAIN STREET
BANDERA, Texas 78003

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 78157




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$50,536$48,846$48,525
Loans Receivable, Net28,76926,25025,329
Mortgage-Backed Securities000
Investments2,9913,2412,250
Deposits44,48242,86742,719
Borrowings000
Equity6,0015,9565,774
Net Interest Income4521,7531,789
Fee Income63254282
Overhead4191,6011,607
Net Operating Income138546605
Net Income138546605
Ratio Analysis Profitability%%%
Return on Assets *1.161.121.31
Operating Return on Assets *1.161.121.31
Return on Equity *9.609.2910.61
Net Interest Margin *3.993.894.11
Fee Income / Assets *0.520.520.61
Overhead / Assets *3.323.303.47
Efficiency Ratio75.2274.5772.65
Asset Quality%%%
Nonperforming Assets / Assets0.000.100.03
Nonperforming Assets / Equity & Loss Reserves0.000.740.24
Loss Reserves / Nonperforming Loansn/a906.38n/a
1-4 Fam Mtg + MBS / Assets30.3130.1828.68
Commercial Real Estate Loans / Assets13.3810.5010.44
Construction Loans / Assets1.260.720.68
Commercial & Industrial Loans / Assets5.225.214.70
Consumer Loans / Assets4.805.105.65
Capitalization%%%
Equity / Assets11.8712.1911.90
Tangible Capital / Tangible Assets11.8712.1911.90
Risk-based Capital Ratio26.8729.3829.59
Liquidity%%%
Loans / Deposits64.6861.2459.29
Non-Interest Bearing Deposits / Deposits36.0638.4437.74
Purchased Liabilities6.937.237.24

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