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SAFE & SOUND® STAR RATINGS

Financial statement

BANDERA BANK
207 MAIN STREET
BANDERA, Texas 78003

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 78157




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$48,525$45,153$42,844
Loans Receivable, Net25,32924,94725,378
Mortgage-Backed Securities000
Investments2,2501,0003,520
Deposits42,71939,52937,575
Borrowings000
Equity5,7745,5785,222
Net Interest Income1,7891,8591,825
Fee Income282274281
Overhead1,6071,6321,629
Net Operating Income605601501
Net Income605601501
Ratio Analysis Profitability%%%
Return on Assets *1.311.341.18
Operating Return on Assets *1.311.341.18
Return on Equity *10.6111.039.87
Net Interest Margin *4.114.474.62
Fee Income / Assets *0.610.610.66
Overhead / Assets *3.473.653.85
Efficiency Ratio72.6570.8673.31
Asset Quality%%%
Nonperforming Assets / Assets0.030.060.98
Nonperforming Assets / Equity & Loss Reserves0.240.437.41
Loss Reserves / Nonperforming Loansn/a1.741.75
1-4 Fam Mtg + MBS / Assets28.6828.7930.62
Commercial Real Estate Loans / Assets10.4412.9813.70
Construction Loans / Assets0.680.761.08
Commercial & Industrial Loans / Assets4.705.094.93
Consumer Loans / Assets5.656.467.43
Capitalization%%%
Equity / Assets11.9012.3512.19
Tangible Capital / Tangible Assets11.9012.3512.19
Risk-based Capital Ratio29.5928.8417.35
Liquidity%%%
Loans / Deposits59.2963.1167.54
Non-Interest Bearing Deposits / Deposits37.7435.7034.47
Purchased Liabilities7.2419.6121.87

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.62%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
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