SAFE & SOUND® STAR RATINGS

Financial statement

BANDERA BANK
207 MAIN STREET
BANDERA, Texas 78003

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of June 30, 2014
Federal Reserve System Identifier 78157




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$50,797$48,846$48,525
Loans Receivable, Net29,33526,25025,329
Mortgage-Backed Securities000
Investments3,4923,2412,250
Deposits44,68442,86742,719
Borrowings000
Equity6,0735,9565,774
Net Interest Income9231,7531,789
Fee Income123254282
Overhead8221,6011,607
Net Operating Income307546605
Net Income307546605
Ratio Analysis Profitability%%%
Return on Assets *1.221.121.31
Operating Return on Assets *1.221.121.31
Return on Equity *10.149.2910.61
Net Interest Margin *4.033.894.11
Fee Income / Assets *0.510.520.61
Overhead / Assets *3.293.303.47
Efficiency Ratio72.8174.5772.65
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 / Assets31.5130.1828.68
Commercial Real Estate Loans / Assets12.9910.5010.44
Construction Loans / Assets2.130.720.68
Commercial & Industrial Loans / Assets4.445.214.70
Consumer Loans / Assets4.745.105.65
Capitalization%%%
Equity / Assets11.9612.1911.90
Tangible Capital / Tangible Assets11.9612.1911.90
Risk-based Capital Ratio27.1229.3829.59
Liquidity%%%
Loans / Deposits65.6561.2459.29
Non-Interest Bearing Deposits / Deposits36.4838.4437.74
Purchased Liabilities7.367.237.24

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