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SAFE & SOUND® STAR RATINGS

TEXAS HILL COUNTRY BANK

800 MAIN STREET
BANDERA, Texas 78003

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2015
Federal Reserve System Identifier 3806481




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$68,031$60,735$49,607
Loans Receivable, Net51,62343,81232,267
Mortgage-Backed Securities8,5219,66211,106
Investments1,9941,9391,845
Deposits57,01550,09644,372
Borrowings000
Equity10,91010,5885,179
Net Interest Income1,7701,9781,405
Fee Income374232
Overhead1,6541,8301,296
Net Operating Income168162109
Net Income168162109
Ratio Analysis Profitability%%%
Return on Assets *0.300.290.24
Operating Return on Assets *0.300.290.24
Return on Equity *1.811.862.09
Net Interest Margin *3.793.763.28
Fee Income / Assets *0.070.080.07
Overhead / Assets *3.403.332.89
Efficiency Ratio87.7986.9885.66
Asset Quality%%%
Nonperforming Assets / Assets0.070.000.00
Nonperforming Assets / Equity & Loss Reserves0.390.000.00
Loss Reserves / Nonperforming Loans1082.22n/an/a
1-4 Fam Mtg + MBS / Assets24.9629.5132.99
Commercial Real Estate Loans / Assets18.8321.3921.88
Construction Loans / Assets15.518.819.96
Commercial & Industrial Loans / Assets20.9822.2516.96
Consumer Loans / Assets2.231.842.21
Capitalization%%%
Equity / Assets16.0417.4310.44
Tangible Capital / Tangible Assets16.0417.4310.44
Risk-based Capital Ratio21.1525.5616.59
Liquidity%%%
Loans / Deposits90.5487.4672.72
Non-Interest Bearing Deposits / Deposits14.9015.7815.30
Purchased Liabilities10.206.037.06

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