FDIC Certificate #: 58932 Status: Active Federal Reserve ID: 3806481 Bank Holding Company (Regulatory Top Holder): Bandera First State Bancshares, Inc. (RSSDID: 3879720, Location: Bandera, TX) Date Established: April 01, 2009 WWW:http://www.banderafirst.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 #: 480636 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: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: April 01, 2009 Last Structure Change Effective Date: April 21, 2009 Last Structure Change Process Date: April 21, 2009 Last Data Update: April 21, 2009 Data Source Date: April 05, 2012
Location
Address: 800 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
Change in Geographic Region/Area/Territory/Field Office
Financial Summary
Total assets: $40.2 mil Equity capital: $5.4 mil Deposits held in domestic offices: $34.7 mil Return on assets (ROA): -1.09% (-$0.4 mil) Quarterly return on assets: -0.38% (-$0.2 mil) Return on Equity (ROE): -6.37% (-$0.3 mil) Quarterly return on equity: -2.62% (-$0.1 mil) Net income: -$0.4 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -1.09% (-$438.0 mil) Quarterly Pretax return on assets: -0.38% (-$152.7 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$40,187Total assets
$10,516Cash and due from depository institutions
$5,062Interest-bearing balances
$16,822Securities
$0Federal funds sold & reverse repurchase agreements
$11,373Net loans & leases
$118Loan loss allowance
$0Trading account assets
$1,321Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$40,187Life insurance assets
$155All other assets
$34,770Total liabilities and capital
$34,697Total liabilities
$24,919Total deposits
$34,697Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$73Subordinated debt
$5,417All other liabilities
$5,417Total equity capital
$5,417Total bank equity capital
$0Perpetual preferred stock
$7Common stock
$8,357Surplus
$-2,947Undivided 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
$92Long-term assets (5+ years)
$33,257Average Assets, year-to-date
$16,825Average Assets, quarterly
$32,566Volatile liabilities
$37,669Insider loans
$16,710FHLB advances
$36,907Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,360Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,743Restructured Loans and leases
$194Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$902Total interest income
$223Total interest expense
$679Net interest income
$30Provision for loan and lease losses
$66Total noninterest income
$0Fiduciary activities
$27Service charges on deposit accounts
$0Trading account gains & fees
$39Additional noninterest income
$1,235Total noninterest expense
$565Salaries and employee benefits
$144Premises and equipment expense
$526Additional noninterest expense
-$520Pre-tax net operating income
$166Securities gains (losses)
$0Applicable income taxes
-$354Income before extraordinary items
$0Extraordinary gains - net
-$354Net income attributable to bank
$0Net charge-offs
-$354Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.09%Yield on earning assets
0.76%Cost of funding earning assets
2.32%Net interest margin
0.23%Noninterest income to earning assets
4.23%Noninterest expense to earning assets
-1.60%Net operating income to assets
-1.09%Return on assets (ROA)
-1.09%Pretax return on assets
-6.37%Return on equity (ROE)
-6.37%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
165,772Assets per employee
4.02%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.03%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
32.78%Net loans and leases to core deposits
36.02%Equity capital to assets
13.48%Core capital (leverage) ratio
14.52%Tier 1 risk-based capital ratio
32.08%Total risk-based capital ratio
Memoranda
$33Average assets
$32,566Average earning assets
$5,553Average equity
$29,212Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
480636
Bandera First State Bank
800 Main Street, Bandera, TX 78003
April 01, 2009
Full Service Brick and Mortar
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