FDIC Certificate #: 26653 Status: Active Federal Reserve ID: 78157 Bank Holding Company (Regulatory Top Holder): Bandera Bancshares, Inc. (RSSDID: 1139671, Location: Bandera, TX) Date Established: April 24, 1986 WWW:http://www.banderabank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 35384 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: April 24, 1986 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 207 Main Street, Bandera, TX 78003 County: Bandera Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700) CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $45.2 mil Equity capital: $5.6 mil Deposits held in domestic offices: $39.5 mil Return on assets (ROA): 1.36% ($0.6 mil) Quarterly return on assets: 1.27% ($0.6 mil) Return on Equity (ROE): 11.13% ($0.7 mil) Quarterly return on equity: 10.40% ($0.6 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.36% ($614.1 mil) Quarterly Pretax return on assets: 1.27% ($573.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
15Total employees (full-time equivalent)
$45,153Total assets
$18,512Cash and due from depository institutions
$16,225Interest-bearing balances
$1,000Securities
$0Federal funds sold & reverse repurchase agreements
$24,947Net loans & leases
$433Loan loss allowance
$0Trading account assets
$287Bank premises and fixed assets
$26Other real estate owned
$0Goodwill and other intangibles
$45,153Life insurance assets
$381All other assets
$39,575Total liabilities and capital
$39,529Total liabilities
$25,418Total deposits
$39,529Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$46Subordinated debt
$5,578All other liabilities
$5,578Total equity capital
$5,578Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$2,200Surplus
$2,978Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$97Long-term assets (5+ years)
$42,172Average Assets, year-to-date
$9,353Average Assets, quarterly
$44,292Volatile liabilities
$45,357Insider loans
$20,225FHLB advances
$46,021Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,578Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$930Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,029Total interest income
$170Total interest expense
$1,859Net interest income
$70Provision for loan and lease losses
$444Total noninterest income
$0Fiduciary activities
$274Service charges on deposit accounts
$0Trading account gains & fees
$170Additional noninterest income
$1,632Total noninterest expense
$826Salaries and employee benefits
$251Premises and equipment expense
$555Additional noninterest expense
$601Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$601Income before extraordinary items
$0Extraordinary gains - net
$601Net income attributable to bank
$0Net charge-offs
$601Cash dividends
$80Sale, conversion, retirement of capital stock, net
$245Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.92%Yield on earning assets
0.41%Cost of funding earning assets
4.50%Net interest margin
1.08%Noninterest income to earning assets
3.95%Noninterest expense to earning assets
1.36%Net operating income to assets
1.36%Return on assets (ROA)
1.36%Pretax return on assets
11.13%Return on equity (ROE)
6.59%Retained earnings to average equity (YTD only)
0.31%Net charge-offs to loans
87.50%Credit loss provision to net charge-offs
8.39%Efficiency ratio
70,864Assets per employee
3.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
40.77%Loss allowance to loans
1.71%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.00%Net loans and leases to deposits
63.11%Net loans and leases to core deposits
71.30%Equity capital to assets
12.35%Core capital (leverage) ratio
12.12%Tier 1 risk-based capital ratio
27.58%Total risk-based capital ratio
Memoranda
$29Average assets
$44,292Average earning assets
$5,402Average equity
$41,278Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
35384
Bandera Bank
207 Main Street, Bandera, TX 78003
April 24, 1986
Full Service Brick and Mortar
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