Texas Heritage Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Texas Heritage Bank (THB) has its roots in the Bank of Cross Plains, TX, (approximately 45 miles southeast of Abilene) which opened for business shortly after the turn of the twentieth century. Other predecessors in THB’s ancestry include the Guaranty State Bank and the First State Bank. THB is a re-organization of First State Bank which received its charter in October 1931 during the Great Depression. The bank weathered the most severe financial panic in the history of the world, and no depositor lost a dollar.

Three quarters of a century have come and gone and the little bank, which boasted $27,500 in capital when it opened, now has a capital structure of more than $10 million. In 2001, THB opened its second location in Boerne, Texas, and, in 2005, a third location was opened in Leon Springs, Texas, just outside the San Antonio city limits.

Boerne
1208 South Main Street
Boerne, Texas 78006
(830) 249-3955
(830) 249-3988 - Fax

Cross Plains
101 North Main Street
Cross Plains, Texas 76443
1-800-926-3814
(254) 725-6141
(254) 725-7166 - Fax

Leon Springs
25060 IH 10 West
San Antonio, Texas 78257
(210) 698-8100
(210) 698-8510 - Fax