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SAFE & SOUND® STAR RATINGS

TEXAS HILL COUNTRY BANK

800 MAIN STREET
BANDERA, Texas 78003

STAR RATING: 5 starstarstarstarstar G
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 3806481




Financial summary ($ in Thousands)
2015
3 months
2014
Year
2013
Year
Total Assets$65,260$60,735$49,607
Loans Receivable, Net40,23943,81232,267
Mortgage-Backed Securities9,3869,66211,106
Investments1,9701,9391,845
Deposits54,48850,09644,372
Borrowings000
Equity10,72610,5885,179
Net Interest Income5661,9781,405
Fee Income114232
Overhead5381,8301,296
Net Operating Income40162109
Net Income40162109
Ratio Analysis Profitability%%%
Return on Assets *0.240.290.24
Operating Return on Assets *0.240.290.24
Return on Equity *1.411.862.09
Net Interest Margin *3.763.763.28
Fee Income / Assets *0.080.080.07
Overhead / Assets *3.423.332.89
Efficiency Ratio89.2286.9885.66
Asset Quality%%%
Nonperforming Assets / Assets0.000.000.00
Nonperforming Assets / Equity & Loss Reserves0.000.000.00
Loss Reserves / Nonperforming Loansn/an/an/a
1-4 Fam Mtg + MBS / Assets26.8929.5132.99
Commercial Real Estate Loans / Assets16.3721.3921.88
Construction Loans / Assets10.268.819.96
Commercial & Industrial Loans / Assets19.9622.2516.96
Consumer Loans / Assets1.911.842.21
Capitalization%%%
Equity / Assets16.4417.4310.44
Tangible Capital / Tangible Assets16.4417.4310.44
Risk-based Capital Ratio26.8225.5616.59
Liquidity%%%
Loans / Deposits73.8587.4672.72
Non-Interest Bearing Deposits / Deposits14.4215.7815.30
Purchased Liabilities8.226.037.06

* Calculations are based on the latest four quarters of income and expense.
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