Spring Hill State Bank

Spring Hill State Bank is headquartered in Longview and is the 278^th largest bank in the state of Texas. It is also the 3,493^rd largest bank in the nation. It was established in 1977 and as of March of 2012, it had grown to 50 employees at 2 locations. Spring Hill State Bank's money market rates are 25% higher than the national average, and it has a 4-star health rating.

Spring Hill State Bank Routing Number: 111907429

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Data for Q1 2012

Institution Statistics Spring Hill State Bank FDIC Certificate # 22526 BankRate Report View Year Established 1977 Employees 50 Primary Regulator FDIC Assets and Liabilities Assets $172.70 million Loans $128.75 million Deposits $143.99 million Equity Capital $13.26 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $1.07 million Real Estate Owned $740,000 Historic Data - March 2011 Assets $162.59 million Equity Capital $12.73 million Loan Loss Allowance $1.82 million Unbacked Noncurrent Loans $2.08 million Real Estate Owned $561,000 Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 0.83% Return on Equity 10.67% Interest Income $1.95 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Spring Hill State Bank had $1.81 million in non-current loans and owned real-estate with $15.32 million in equity and loan loss allowances on hand to cover it. This gives Spring Hill State Bank a Texas Ratio of 11.80% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Spring Hill State Bank decreased slightly from 18.17% as of March 31, 2011 to 11.80% as of March 31, 2012, resulting in a positive change of 35.08%.This indicates that the balance sheet and financial strength for Spring Hill State Bank has improved slightly in recent periods. Deposit Growth In the past year, Spring Hill State Bank has increased its total deposits by $5.21 million, resulting in 3.76% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Spring Hill State Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Spring Hill State Bank has $172.7 million in assets with $15.32 million in equity, resulting in a capitalization level of 8.87%, which is average.

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