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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, 2015
Federal Reserve System Identifier 78157




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$53,218$51,066$48,846
Loans Receivable, Net29,69329,18426,250
Mortgage-Backed Securities000
Investments4,2363,9893,241
Deposits47,01344,91842,867
Borrowings000
Equity6,1366,1235,956
Net Interest Income4571,9301,753
Fee Income55241254
Overhead4141,6661,601
Net Operating Income142582546
Net Income142582546
Ratio Analysis Profitability%%%
Return on Assets *1.151.151.12
Operating Return on Assets *1.151.151.12
Return on Equity *9.609.599.29
Net Interest Margin *4.094.153.89
Fee Income / Assets *0.460.480.52
Overhead / Assets *3.253.303.30
Efficiency Ratio74.4671.5674.57
Asset Quality%%%
Nonperforming Assets / Assets0.340.200.10
Nonperforming Assets / Equity & Loss Reserves2.771.560.74
Loss Reserves / Nonperforming Loans364.841700.00906.38
1-4 Fam Mtg + MBS / Assets33.1733.3630.18
Commercial Real Estate Loans / Assets9.089.6110.50
Construction Loans / Assets0.761.220.72
Commercial & Industrial Loans / Assets4.404.285.21
Consumer Loans / Assets4.754.895.10
Capitalization%%%
Equity / Assets11.5311.9912.19
Tangible Capital / Tangible Assets11.5311.9912.19
Risk-based Capital Ratio28.2127.8329.38
Liquidity%%%
Loans / Deposits63.1664.9761.24
Non-Interest Bearing Deposits / Deposits38.1136.6938.44
Purchased Liabilities5.435.677.23

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