Regulatory Matters (Tables)

3 Months Ended

Mar. 31, 2016

Regulatory Matters

Schedule of comparison of the Bank's and Hilltop's consolidated actual capital amounts and ratios to the regulatory minimum requirements and the Bank's regulatory minimum capital requirements and the Bank's regulatory minimum capital requirements needed to qualify as a well-capitalized institution without giving effect to the final Basel III capital rules adopted by the Federal Reserve Board

The following table shows the Bank’s and Hilltop’s consolidated actual capital amounts and ratios compared to the regulatory minimum capital requirements and the Bank’s regulatory minimum capital requirements needed to qualify as a “well-capitalized” institution in accordance with Basel III as measured at March 31, 2016 and December 31, 2015, respectively (dollars in thousands).

									To Be Well Capitalized
					Minimum Capital				Minimum Capital
	Actual				Requirements				Requirements
	Amount		Ratio		Amount		Ratio		Amount		Ratio
March 31, 2016
Tier 1 capital (to average assets):
Bank	$	1,035,022	12.70	%	$	326,044	4.0	%	$	407,555	5.0	%
Hilltop		1,532,458	13.35	%		459,069	4.0	%		N/A	N/A
Common equity Tier 1 capital (to risk-weighted assets):
Bank		1,033,659	15.10	%		308,020	4.5	%		444,918	6.5	%
Hilltop		1,481,394	17.56	%		379,562	4.5	%		N/A	N/A
Tier 1 capital (to risk-weighted assets):
Bank		1,035,022	15.12	%		410,693	6.0	%		547,591	8.0	%
Hilltop		1,532,458	18.17	%		506,082	6.0	%		N/A	N/A
Total capital (to risk-weighted assets):
Bank		1,086,214	15.87	%		547,591	8.0	%		684,489	10.0	%
Hilltop		1,568,465	18.60	%		674,776	8.0	%		N/A	N/A
December 31, 2015
Tier 1 capital (to average assets):
Bank	$	1,064,212	13.22	%	$	322,104	4.0	%	$	402,630	5.0	%
Hilltop		1,520,514	12.65	%		480,928	4.0	%		N/A	N/A
Common equity Tier 1 capital (to risk-weighted assets):
Bank		1,063,041	16.23	%		294,716	4.5	%		425,701	6.5	%
Hilltop		1,469,642	17.87	%		370,156	4.5	%		N/A	N/A
Tier 1 capital (to risk-weighted assets):
Bank		1,064,212	16.25	%		392,954	6.0	%		523,939	8.0	%
Hilltop		1,520,514	18.48	%		493,541	6.0	%		N/A	N/A
Total capital (to risk-weighted assets):
Bank		1,112,654	16.99	%		523,939	8.0	%		654,924	10.0	%
Hilltop		1,553,867	18.89	%		658,055	8.0	%		N/A	N/A

Schedule of net capital position

At March 31, 2016, the net capital position of each of the Hilltop Broker-Dealers was as follows (in thousands). 

				HTS
	Hilltop			Independent
	Securities			Network
Net capital	$	132,718		$	1,195
Less required net capital		9,484			250
Excess net capital	$	123,234		$	945
Net capital as a percentage of aggregate debit items		28.0	%
Net capital in excess of 5% aggregate debit items	$	109,007

Summary of statutory capital and surplus and statutory net income of each insurance subsidiary

A summary of statutory capital and surplus and statutory net income of each insurance subsidiary is as follows (in thousands).

	March 31,		December 31,
	2016		2015
Capital and surplus:
National Lloyds Insurance Company	$	119,836	$	121,750
American Summit Insurance Company		28,980		30,592

	Three Months Ended March 31,
	2016		2015
Statutory net income:
National Lloyds Insurance Company	$	3,557	$	4,759
American Summit Insurance Company		852		909