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SAFE & SOUND® STAR RATINGS

BANDERA BANK

207 MAIN STREET
BANDERA, Texas 78003

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 78157




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$58,358$56,662$51,066
Loans Receivable, Net31,99930,64129,184
Mortgage-Backed Securities000
Investments4,4854,4843,989
Deposits51,94450,35844,918
Borrowings000
Equity6,3336,2676,123
Net Interest Income4951,8741,930
Fee Income56227241
Overhead4291,6931,666
Net Operating Income163560582
Net Income163560582
Ratio Analysis Profitability%%%
Return on Assets *1.041.031.15
Operating Return on Assets *1.041.031.15
Return on Equity *9.299.029.59
Net Interest Margin *3.663.684.15
Fee Income / Assets *0.410.420.48
Overhead / Assets *3.073.123.30
Efficiency Ratio70.6875.1471.56
Asset Quality%%%
Nonperforming Assets / Assets0.420.460.20
Nonperforming Assets / Equity & Loss Reserves3.744.001.56
Loss Reserves / Nonperforming Loansn/a1886.671700.00
1-4 Fam Mtg + MBS / Assets32.9932.9333.36
Commercial Real Estate Loans / Assets10.158.969.61
Construction Loans / Assets0.060.001.22
Commercial & Industrial Loans / Assets3.824.294.28
Consumer Loans / Assets4.614.524.89
Capitalization%%%
Equity / Assets10.8511.0611.99
Tangible Capital / Tangible Assets10.8511.0611.99
Risk-based Capital Ratio27.1327.9727.83
Liquidity%%%
Loans / Deposits61.6060.8564.97
Non-Interest Bearing Deposits / Deposits42.2942.3536.69
Purchased Liabilities3.843.955.67

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