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

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