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SAFE & SOUND® STAR RATINGS

BANDERA BANK

207 MAIN STREET
BANDERA, Texas 78003

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




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$51,066$48,846$48,525
Loans Receivable, Net29,18426,25025,329
Mortgage-Backed Securities000
Investments3,9893,2412,250
Deposits44,91842,86742,719
Borrowings000
Equity6,1235,9565,774
Net Interest Income1,9301,7531,789
Fee Income241254282
Overhead1,6661,6011,607
Net Operating Income582546605
Net Income582546605
Ratio Analysis Profitability%%%
Return on Assets *1.151.121.31
Operating Return on Assets *1.151.121.31
Return on Equity *9.599.2910.61
Net Interest Margin *4.153.894.11
Fee Income / Assets *0.480.520.61
Overhead / Assets *3.303.303.47
Efficiency Ratio71.5674.5772.65
Asset Quality%%%
Nonperforming Assets / Assets0.200.100.03
Nonperforming Assets / Equity & Loss Reserves1.560.740.24
Loss Reserves / Nonperforming Loans1700.00906.38n/a
1-4 Fam Mtg + MBS / Assets33.3630.1828.68
Commercial Real Estate Loans / Assets9.6110.5010.44
Construction Loans / Assets1.220.720.68
Commercial & Industrial Loans / Assets4.285.214.70
Consumer Loans / Assets4.895.105.65
Capitalization%%%
Equity / Assets11.9912.1911.90
Tangible Capital / Tangible Assets11.9912.1911.90
Risk-based Capital Ratio27.8329.3829.59
Liquidity%%%
Loans / Deposits64.9761.2459.29
Non-Interest Bearing Deposits / Deposits36.6938.4437.74
Purchased Liabilities5.677.237.24

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