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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 December 31, 2015
Federal Reserve System Identifier 78157




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$56,662$51,066$48,846
Loans Receivable, Net30,64129,18426,250
Mortgage-Backed Securities000
Investments4,4843,9893,241
Deposits50,35844,91842,867
Borrowings000
Equity6,2676,1235,956
Net Interest Income1,8741,9301,753
Fee Income227241254
Overhead1,6931,6661,601
Net Operating Income560582546
Net Income560582546
Ratio Analysis Profitability%%%
Return on Assets *1.031.151.12
Operating Return on Assets *1.031.151.12
Return on Equity *9.029.599.29
Net Interest Margin *3.684.153.89
Fee Income / Assets *0.420.480.52
Overhead / Assets *3.123.303.30
Efficiency Ratio75.1471.5674.57
Asset Quality%%%
Nonperforming Assets / Assets0.460.200.10
Nonperforming Assets / Equity & Loss Reserves4.001.560.74
Loss Reserves / Nonperforming Loans1886.671700.00906.38
1-4 Fam Mtg + MBS / Assets32.9333.3630.18
Commercial Real Estate Loans / Assets8.969.6110.50
Construction Loans / Assets0.001.220.72
Commercial & Industrial Loans / Assets4.294.285.21
Consumer Loans / Assets4.524.895.10
Capitalization%%%
Equity / Assets11.0611.9912.19
Tangible Capital / Tangible Assets11.0611.9912.19
Risk-based Capital Ratio27.9727.8329.38
Liquidity%%%
Loans / Deposits60.8564.9761.24
Non-Interest Bearing Deposits / Deposits42.3536.6938.44
Purchased Liabilities3.955.677.23

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