SAFE & SOUND® STAR RATINGS

Financial statement

TEXAS HILL COUNTRY BANK
800 MAIN STREET
BANDERA, Texas 78003

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of September 30, 2014
Federal Reserve System Identifier 3806481




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$56,719$49,607$44,668
Loans Receivable, Net38,91532,26719,041
Mortgage-Backed Securities10,00011,10613,988
Investments1,9151,8451,992
Deposits46,20344,37239,029
Borrowings000
Equity10,4595,1795,518
Net Interest Income1,4151,4051,030
Fee Income313224
Overhead1,3031,2961,313
Net Operating Income13610938
Net Income13610938
Ratio Analysis Profitability%%%
Return on Assets *0.410.240.10
Operating Return on Assets *0.410.240.10
Return on Equity *2.772.090.70
Net Interest Margin *3.843.282.83
Fee Income / Assets *0.080.070.06
Overhead / Assets *3.282.893.38
Efficiency Ratio86.2985.66117.97
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 / Assets31.8332.9937.80
Commercial Real Estate Loans / Assets26.1421.8811.62
Construction Loans / Assets7.849.967.69
Commercial & Industrial Loans / Assets16.2716.9614.78
Consumer Loans / Assets1.752.211.57
Capitalization%%%
Equity / Assets18.4410.4412.35
Tangible Capital / Tangible Assets18.4410.4412.35
Risk-based Capital Ratio27.5416.5923.45
Liquidity%%%
Loans / Deposits84.2372.7248.79
Non-Interest Bearing Deposits / Deposits14.2515.3017.82
Purchased Liabilities6.477.064.43

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