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SAFE & SOUND® STAR RATINGS

TEXAS HILL COUNTRY BANK

800 MAIN STREET
BANDERA, Texas 78003

STAR RATING: 4 starstarstarstar
Predictive Indicator + (improve)
As of December 31, 2014
Federal Reserve System Identifier 3806481




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$60,735$49,607$44,668
Loans Receivable, Net43,81232,26719,041
Mortgage-Backed Securities9,66211,10613,988
Investments1,9391,8451,992
Deposits50,09644,37239,029
Borrowings000
Equity10,5885,1795,518
Net Interest Income1,9781,4051,030
Fee Income423224
Overhead1,8301,2961,313
Net Operating Income16210938
Net Income16210938
Ratio Analysis Profitability%%%
Return on Assets *0.290.240.10
Operating Return on Assets *0.290.240.10
Return on Equity *1.862.090.70
Net Interest Margin *3.763.282.83
Fee Income / Assets *0.080.070.06
Overhead / Assets *3.332.893.38
Efficiency Ratio86.9885.66117.97
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 / Assets29.5132.9937.80
Commercial Real Estate Loans / Assets21.3921.8811.62
Construction Loans / Assets8.819.967.69
Commercial & Industrial Loans / Assets22.2516.9614.78
Consumer Loans / Assets1.842.211.57
Capitalization%%%
Equity / Assets17.4310.4412.35
Tangible Capital / Tangible Assets17.4310.4412.35
Risk-based Capital Ratio25.5616.5923.45
Liquidity%%%
Loans / Deposits87.4672.7248.79
Non-Interest Bearing Deposits / Deposits15.7815.3017.82
Purchased Liabilities6.037.064.43

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