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


  • Bandera First State Bank in Bandera, Texas (TX)
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Bandera First State Bank - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    0480636Bandera First State Bank800 Main Street, Bandera, TX 78003April 01, 2009Full Service Brick and Mortar

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