Vitals
  • Total Assets
    78.3M
  • Total Deposits
    67.4M
  • Total Net Loans
    19.5M
  • Net Income
    70000.0000
  • Book Value
    10.6M
  • Book Value x2
    21.2M
  • Book Value x3
    31.8M
ROAA

.36

ROAE

2.65

Efficiency Ratio

85.075

Net Interest Margin

1.786

Balance Sheet Highlights
Financial Highlights Highland Lakes Bank All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 78,316 116,830
Total Net Loans 19,497 62,860
Total Deposits 67,351 100,209
Total Equity 10,599 11,751
Profitability
Net Income 70 833
Return on Average Assets .36 1.317
Return on Average Equity 2.65 13.263
Net Interest Margin 1.786 4.348
Efficiency Ratio 85.075 68.632
Noninterest Income/Revenue 17.064 17.188
Balance Sheet Ratios
Loan-to-Deposit 28.948 60.02
Securities/Assets .523 .683
Total Equity/Total Assets .135 .101
Tangible Equity/Tangible Assets .135 -.07
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 10,600 10,744
Tier 2 Capital 295 740
Total Capital 10,895 11,497
Total Risk Weighted Assets 23,530 70,662
Leverage Ratio 13.64 9.659
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 45.05 16.919
Total Capital Ratio 46.3 18.009

Timeline for Highland Lakes Bank

Franklin Bank, S.S.B.

Highland Lakes Bank was acquired by Franklin Bank, S.S.B. 22 years

View Profile May 01 2003

Highland Lakes Delaware Corp

Highland Lakes Delaware Corp became a new parent organization for Highland Lakes Bank.

View Profile May 13 1996

Khlc Inc

Khlc Inc became a new subsidiary organization for Highland Lakes Bank.

View Profile Jun 07 1991

Highland Lakes Bancshares Corporation

Highland Lakes Bancshares Corporation became a new parent organization for Highland Lakes Bank.

View Profile Oct 02 1979

Highland Lakes Bank

Highland Lakes Bank was established 62 years ago and is currently headquartered in Kingsland, TX.

Mar 07 1963
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Franklin Bank, S.S.B. Buyer 5,089,260 Acquisition Discontinued 5/1/2003
Relationships Role Relationship Start Relationship End
Highland Lakes Delaware Corp Parent 5/13/1996 4/30/2003
Highland Lakes Bancshares Corporation Parent 10/2/1979 5/12/1996
Khlc Inc Subsidary 6/7/1991 8/31/2001
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