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 June 30, 2014
Federal Reserve System Identifier 3806481




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$55,880$49,607$44,668
Loans Receivable, Net38,24732,26719,041
Mortgage-Backed Securities10,47311,10613,988
Investments1,9031,8451,992
Deposits46,86444,37239,029
Borrowings50000
Equity8,4695,1795,518
Net Interest Income9001,4051,030
Fee Income193224
Overhead7851,2961,313
Net Operating Income12110938
Net Income12110938
Ratio Analysis Profitability%%%
Return on Assets *0.470.240.10
Operating Return on Assets *0.470.240.10
Return on Equity *3.902.090.70
Net Interest Margin *3.533.282.83
Fee Income / Assets *0.070.070.06
Overhead / Assets *2.902.893.38
Efficiency Ratio81.6085.66117.97
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 / Assets32.1732.9937.80
Commercial Real Estate Loans / Assets25.6721.8811.62
Construction Loans / Assets8.229.967.69
Commercial & Industrial Loans / Assets16.8216.9614.78
Consumer Loans / Assets1.742.211.57
Capitalization%%%
Equity / Assets15.1610.4412.35
Tangible Capital / Tangible Assets15.1610.4412.35
Risk-based Capital Ratio22.8516.5923.45
Liquidity%%%
Loans / Deposits81.6172.7248.79
Non-Interest Bearing Deposits / Deposits17.4115.3017.82
Purchased Liabilities7.457.064.43

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