Bandera Bank in Bandera, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bandera Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    035384Bandera Bank207 Main Street, Bandera, TX 78003April 24, 1986Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Bandera Bank.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents