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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 September 30, 2015
Federal Reserve System Identifier 78157




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$58,726$51,066$48,846
Loans Receivable, Net31,56129,18426,250
Mortgage-Backed Securities000
Investments4,4833,9893,241
Deposits52,40844,91842,867
Borrowings000
Equity6,2446,1235,956
Net Interest Income1,3931,9301,753
Fee Income171241254
Overhead1,2391,6661,601
Net Operating Income442582546
Net Income442582546
Ratio Analysis Profitability%%%
Return on Assets *1.161.151.12
Operating Return on Assets *1.161.151.12
Return on Equity *9.959.599.29
Net Interest Margin *3.884.153.89
Fee Income / Assets *0.440.480.52
Overhead / Assets *3.143.303.30
Efficiency Ratio73.7171.5674.57
Asset Quality%%%
Nonperforming Assets / Assets0.560.200.10
Nonperforming Assets / Equity & Loss Reserves5.031.560.74
Loss Reserves / Nonperforming Loans289.191700.00906.38
1-4 Fam Mtg + MBS / Assets32.3833.3630.18
Commercial Real Estate Loans / Assets8.969.6110.50
Construction Loans / Assets0.261.220.72
Commercial & Industrial Loans / Assets4.324.285.21
Consumer Loans / Assets4.584.895.10
Capitalization%%%
Equity / Assets10.6311.9912.19
Tangible Capital / Tangible Assets10.6311.9912.19
Risk-based Capital Ratio27.1427.8329.38
Liquidity%%%
Loans / Deposits60.2264.9761.24
Non-Interest Bearing Deposits / Deposits39.3736.6938.44
Purchased Liabilities3.745.677.23

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