OUR COMPANIES PL A IN S C A P I TA L B A NK
Small Business Administration Loans
$60,269,000
PlainsCapital Bank is a leader in the United States Small Business Administration (SBA) program originating a large volume of SBA 504 loans annually. The SBA was developed to promote
2020 community development loans originations
economic development to create and retain jobs. PlainsCapital collaborates with the SBA to finance small businesses looking to expand. The program helps businesses that may not qualify for conventional financing by giving them access to financing
2020 Capital Resources Provided in Select Industries
backed with as little as 10 percent owner equity.
Commercial Loan Funds
$32.9 million in SBA 504 Loans Funded in 2020
2020 Bank Lending Activity
# Loans
Small Business & Small Farm Loans
Loan Value (000s)
4,244
$743,410
28
$69,153
Home Mortgage Loan Originations
175
$112,533
Home Mortgage Loan Purchase
650
$192,571
5,097
$1,117,667
Community Development Loans
TOTAL
Childcare Care & Youth Services
$ 17,343,000
Education
$ 10,362,000
Energy
$ 5,245,000
Environmental
$ 1,745,000
Farming
$ 80,925,000
Petroleum/Natural Gas Distribution
$ 10,958,000
Recycling /Conservation
$ 5,984,000
Partnership (HELP). During 2020, PlainsCapital provided $113,000 in HELP funds to 20 borrowers.
Community Development Loans PlainsCapital Bank received a “Satisfactory” rating on its most
STRESS TESTING
recent Community Reinvestment Act (CRA) performance
Historically, we perform capital stress testing with semi-annual
evaluation by the Federal Reserve, dated March 12, 2018.
stress test simulations. These simulations utilize the CCAR
PlainsCapital Bank has a number of CRA assessments areas
scenarios released by the Federal Reserve Bank early in the year
(AAs) in diverse parts of Texas, including in the North Texas,
while later in the year, Hilltop Holdings will generally seek to
Central Texas, West Texas, Southern Rio Grande Valley
utilize Moody’s based scenarios to conduct more idiosyncratic
(bordering Mexico), and Southern Coastal regions. The Bank
stress testing. Results not only assist management in assessing
continues to provide resources that support the Financing
overall levels of capital but aid in defining our “stress scenario”
Capital Improvements in our Texas Communities.
zones. Our capital policy defines the capital required to be well capitalized per regulatory definitions. The policy also defines the operating capital we can use for business as usual growth
HELP Loans
in addition to strategic initiatives (M&A, share repurchase,
PlainsCapital Bank is a participating member with the Federal
dividends, etc.).
Home Loan Bank of Dallas Homebuyer Equity Leverage
5