SAFE & SOUND® STAR RATINGS

Financial statement

BANDERA BANK
207 MAIN STREET
BANDERA, Texas 78003

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 78157




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$50,404$48,846$48,525
Loans Receivable, Net29,83926,25025,329
Mortgage-Backed Securities000
Investments3,7363,2412,250
Deposits44,24542,86742,719
Borrowings000
Equity6,0825,9565,774
Net Interest Income1,4001,7531,789
Fee Income180254282
Overhead1,2481,6011,607
Net Operating Income410546605
Net Income410546605
Ratio Analysis Profitability%%%
Return on Assets *1.111.121.31
Operating Return on Assets *1.111.121.31
Return on Equity *9.159.2910.61
Net Interest Margin *4.033.894.11
Fee Income / Assets *0.500.520.61
Overhead / Assets *3.343.303.47
Efficiency Ratio73.2874.5772.65
Asset Quality%%%
Nonperforming Assets / Assets1.270.100.03
Nonperforming Assets / Equity & Loss Reserves9.800.740.24
Loss Reserves / Nonperforming Loans67.24906.38n/a
1-4 Fam Mtg + MBS / Assets33.1330.1828.68
Commercial Real Estate Loans / Assets11.5610.5010.44
Construction Loans / Assets0.850.720.68
Commercial & Industrial Loans / Assets4.735.214.70
Consumer Loans / Assets5.095.105.65
Capitalization%%%
Equity / Assets12.0712.1911.90
Tangible Capital / Tangible Assets12.0712.1911.90
Risk-based Capital Ratio26.8029.3829.59
Liquidity%%%
Loans / Deposits67.4461.2459.29
Non-Interest Bearing Deposits / Deposits35.5238.4437.74
Purchased Liabilities6.387.237.24

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