SAFE & SOUND® STAR RATINGS

Financial statement

BANDERA BANK
207 MAIN STREET
BANDERA, Texas 78003

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 78157




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$48,846$48,525$45,153
Loans Receivable, Net26,25025,32924,947
Mortgage-Backed Securities000
Investments3,2412,2501,000
Deposits42,86742,71939,529
Borrowings000
Equity5,9565,7745,578
Net Interest Income1,7531,7891,859
Fee Income254282274
Overhead1,6011,6071,632
Net Operating Income546605601
Net Income546605601
Ratio Analysis Profitability%%%
Return on Assets *1.121.311.34
Operating Return on Assets *1.121.311.34
Return on Equity *9.2910.6111.03
Net Interest Margin *3.894.114.47
Fee Income / Assets *0.520.610.61
Overhead / Assets *3.303.473.65
Efficiency Ratio74.5772.6570.86
Asset Quality%%%
Nonperforming Assets / Assets0.100.030.06
Nonperforming Assets / Equity & Loss Reserves0.740.240.43
Loss Reserves / Nonperforming Loans906.38n/a1.74
1-4 Fam Mtg + MBS / Assets30.1828.6828.79
Commercial Real Estate Loans / Assets10.5010.4412.98
Construction Loans / Assets0.720.680.76
Commercial & Industrial Loans / Assets5.214.705.09
Consumer Loans / Assets5.105.656.46
Capitalization%%%
Equity / Assets12.1911.9012.35
Tangible Capital / Tangible Assets12.1911.9012.35
Risk-based Capital Ratio29.3829.5928.84
Liquidity%%%
Loans / Deposits61.2459.2963.11
Non-Interest Bearing Deposits / Deposits38.4437.7435.70
Purchased Liabilities7.237.2419.61

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