FDIC Certificate #: 11902 Status: Active Federal Reserve ID: 554268 Bank Holding Company (Regulatory Top Holder): Central Texas Bankshare Holdings, Inc. (RSSDID: 2100119, Location: Columbus, TX) Date Established: November 04, 1931 WWW:http://www.hillbankandtrustco.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 12151 FDIC's unique #: 7600 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 201 East Main Street, Weimar, TX 78962 County: Colorado Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $118.0 mil Equity capital: $19.7 mil Deposits held in domestic offices: $97.7 mil Return on assets (ROA): 0.97% ($1.1 mil) Quarterly return on assets: 0.95% ($1.1 mil) Return on Equity (ROE): 5.50% ($1.1 mil) Quarterly return on equity: 5.67% ($1.1 mil) Net income: $1.1 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.29% ($1,522.7 mil) Quarterly Pretax return on assets: 1.23% ($1,451.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
15Total employees (full-time equivalent)
$118,039Total assets
$13,725Cash and due from depository institutions
$6,870Interest-bearing balances
$88,105Securities
$3,350Federal funds sold & reverse repurchase agreements
$11,563Net loans & leases
$250Loan loss allowance
$0Trading account assets
$58Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$118,039Life insurance assets
$1,238All other assets
$98,356Total liabilities and capital
$97,722Total liabilities
$76,805Total deposits
$97,722Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$634Subordinated debt
$19,683All other liabilities
$19,683Total equity capital
$19,683Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$6,000Surplus
$13,383Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$854Long-term assets (5+ years)
$109,888Average Assets, year-to-date
$47,432Average Assets, quarterly
$109,107Volatile liabilities
$116,463Insider loans
$57,130FHLB advances
$115,568Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$19,683Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,586Restructured Loans and leases
$179Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,314Total interest income
$600Total interest expense
$2,714Net interest income
$0Provision for loan and lease losses
$272Total noninterest income
$0Fiduciary activities
$136Service charges on deposit accounts
$0Trading account gains & fees
$136Additional noninterest income
$1,578Total noninterest expense
$753Salaries and employee benefits
$164Premises and equipment expense
$661Additional noninterest expense
$1,408Pre-tax net operating income
$0Securities gains (losses)
$351Applicable income taxes
$1,057Income before extraordinary items
$0Extraordinary gains - net
$1,057Net income attributable to bank
$0Net charge-offs
$1,057Cash dividends
-$5Sale, conversion, retirement of capital stock, net
$210Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.27%Yield on earning assets
0.59%Cost of funding earning assets
2.68%Net interest margin
0.27%Noninterest income to earning assets
1.56%Noninterest expense to earning assets
0.97%Net operating income to assets
0.97%Return on assets (ROA)
1.29%Pretax return on assets
5.50%Return on equity (ROE)
4.40%Retained earnings to average equity (YTD only)
-0.04%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
52,847Assets per employee
7.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
19.87%Loss allowance to loans
2.12%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
11.83%Net loans and leases to core deposits
13.35%Equity capital to assets
16.67%Core capital (leverage) ratio
17.03%Tier 1 risk-based capital ratio
34.45%Total risk-based capital ratio
Memoranda
$35Average assets
$109,107Average earning assets
$19,233Average equity
$101,348Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7600
Hill Bank & Trust Co.
201 East Main Street, Weimar, TX 78962
November 04, 1931
Full Service Brick and Mortar
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