Exhibit 99.1

Investor Relations Contact:

Isabell Novakov

214-252-4029

inovakov@plainscapital.com

Hilltop Holdings Inc. Announces Financial Results for Second Quarter 2016

DALLAS — (BUSINESS WIRE) July 27, 2016 — Hilltop Holdings Inc. (NYSE: HTH) (“Hilltop”) today announced financial results for the second quarter of 2016. Hilltop produced income to common stockholders of $31.1 million, or $0.32 per diluted share, for the second quarter of 2016, compared to $29.6 million, or $0.30 per diluted share, for the second quarter of 2015. Hilltop’s annualized return on average assets and return on average equity for the second quarter of 2016 were 1.05% and 7.07%, respectively, compared to 0.97% and 7.12% for the second quarter of 2015, respectively.

Jeremy Ford, CEO of Hilltop, said “We are pleased to report solid financial results for the second quarter of 2016, led by exceptional performance in our mortgage-related businesses. We achieved positive operating leverage in the quarter with a 14.8% increase in noninterest income relative to a 4.0% increase in noninterest expense.”

Mr. Ford continued, “PlainsCapital Bank maintained a strong net interest margin and improved expense efficiency, however irregularities discovered in a single large loan resulted in an elevated loan loss provision. Outside of this isolated issue, nonperforming loans declined during the quarter. PrimeLending delivered impressive mortgage origination growth in its purchase volume, driven by increased market share and a decline in interest rates. Top-line revenue growth in mortgage- and municipal-related businesses, as well as continued execution of integration initiatives, drove profitability at HilltopSecurities.”

Mr. Ford concluded, “With seasonal spring storms beginning and ending earlier this year, National Lloyds reported a lower loss and LAE ratio compared to the second quarter average over the previous three years. Additionally, process improvements and a reduction in variable expenses resulted in a relatively flat expense ratio.”

Second Quarter 2016 Highlights for Hilltop:

· Hilltop’s total assets were $13.1 billion at June 30, 2016, compared to $11.7 billion at March 31, 2016;

· Hilltop’s common equity increased by $33.9 million from March 31, 2016 to $1.8 billion at June 30, 2016;

· Non-covered loans1 held for investment, net of allowance for loan losses, increased by 2.0% to $5.4 billion and covered loans1, net of allowance for loan losses, decreased by 7.0% to $322.1 million from March 31, 2016 to June 30, 2016;

· Non-covered non-performing loans declined to $23.4 million, or 0.33% of total non-covered loans, at June 30, 2016, compared to $27.1 million, or 0.40% of total non-covered loans, at March 31, 2016;

· Energy classified and criticized loans were $41.5 million at June 30, 2016, down from $51.3 million at March 31, 2016;

· Loans held for sale increased by 15.3% to $1.6 billion from March 31, 2016 to June 30, 2016;

· Total deposits were $7.1 billion at June 30, 2016, compared to $7.0 billion at March 31, 2016;

· Hilltop was well-capitalized with a Tier 1 Leverage Ratio2 of 13.18% and Total Capital Ratio of 17.69% at June 30, 2016;

· Hilltop’s net interest margin3 increased to 3.77% for the second quarter of 2016, from 3.67% in the first quarter of 2016;

· Hilltop’s taxable equivalent net interest margin4 was 3.80% for the second quarter of 2016, a ten basis point increase from 3.70% in the first quarter of 2016;

· The provision for loan losses was $28.9 million during the second quarter of 2016, compared to $3.4 million in the first quarter of 2016, and primarily driven by a non-recurring, full charge-off related to one large loan;

o During the second quarter of 2016, the Bank discovered irregularities in connection with a single loan that is currently in default. As a result, the Bank increased its provision for loan losses and recorded a $24.5 million charge-off, representing the entire outstanding principal balance of the loan;

· For the second quarter of 2016, noninterest income was $346.0 million, compared to $301.4 million in the second quarter of 2015, a 14.8% increase;

· For the second quarter of 2016, noninterest expense was $367.4 million, compared to $353.3 million in the second quarter of 2015, a 4.0% increase; and

· In connection with the SWS Merger, during the second quarter of 2016, Hilltop incurred $2.3 million in pre-tax transaction and integration costs, consisting of $0.8 million in the broker-dealer segment and $1.5 million within corporate.

1   “Covered loans” refer to loans acquired in the FNB Transaction that are subject to loss-share agreements with the FDIC, while all other loans are referred to as “non-covered loans.”

2   Based on the end of period Tier 1 capital divided by total average assets during the second quarter of 2016, excluding goodwill and intangible assets.

3   Net interest margin is defined as net interest income divided by average interest-earning assets.

4   Taxable equivalent net interest margin is defined as taxable equivalent net interest income divided by average interest-earning assets. Annualized taxable equivalent adjustments are based on a 35% federal income tax rate. Refer to footnote 2 to the Selected Financial Data table for further discussion on this non-GAAP measure and the taxable equivalent adjustments to interest income.

Consolidated Financial and Other Information

Consolidated Balance Sheets	June 30,		March 31,		December 31,		September 30,		June 30,
(in 000's)	2016		2016		2015		2015		2015
Cash and due from banks	$	583,984	$	512,103	$	652,036	$	526,692	$	583,043
Federal funds sold		29,677		15,406		17,409		24,861		22,814
Securities purchased under agreements to resell		149,474		96,646		105,660		83,889		79,153
Assets segregated for regulatory purposes		120,214		120,714		158,613		228,251		188,094
Securities:
Trading, at fair value		305,418		368,425		214,146		292,418		265,429
Available for sale, at fair value		517,784		666,328		673,706		726,132		763,463
Held to maturity, at amortized cost		354,443		310,478		332,022		305,316		312,960
		1,177,645		1,345,231		1,219,874		1,323,866		1,341,852
Loans held for sale		1,550,475		1,344,333		1,533,678		1,354,107		1,397,617
Non-covered loans, net of unearned income		5,472,446		5,366,065		5,220,040		4,999,529		4,956,969
Allowance for non-covered loan losses		(51,013)		(48,450)		(45,415)		(42,989)		(40,484)
Non-covered loans, net		5,421,433		5,317,615		5,174,625		4,956,540		4,916,485
Covered loans, net of allowance for covered loan losses		322,073		346,169		378,762		420,547		493,299
Broker-dealer and clearing organization receivables		2,257,480		1,370,622		1,362,499		2,111,864		2,070,598
Premises and equipment, net		189,511		198,414		200,618		204,273		206,411
FDIC indemnification asset		74,460		80,522		91,648		92,902		102,381
Covered other real estate owned		67,634		78,890		99,090		106,024		125,510
Other assets		832,344		601,181		565,813		644,916		637,747
Goodwill		251,808		251,808		251,808		251,808		251,808
Other intangible assets, net		49,690		52,274		54,868		58,916		61,527
Total assets	$	13,077,902	$	11,731,928	$	11,867,001	$	12,389,456	$	12,478,339
Deposits:
Non-interest bearing	$	2,280,108	$	2,233,608	$	2,235,436	$	2,173,890	$	2,135,988
Interest bearing		4,846,705		4,750,567		4,717,247		4,646,859		4,660,449
Total deposits		7,126,813		6,984,175		6,952,683		6,820,749		6,796,437
Broker-dealer and clearing organization payables		2,111,994		1,284,016		1,338,305		2,045,604		2,048,585
Short-term borrowings		1,012,862		832,921		947,373		910,490		1,100,025
Securities sold, not yet purchased, at fair value		178,235		165,704		130,044		156,775		135,592
Notes payable		319,636		232,190		238,716		243,556		245,420
Junior subordinated debentures		67,012		67,012		67,012		67,012		67,012
Other liabilities		464,904		405,899		454,743		428,442		410,004
Total liabilities		11,281,456		9,971,917		10,128,876		10,672,628		10,803,075
Common stock		985		986		989		989		995
Additional paid-in capital		1,568,053		1,567,150		1,577,270		1,574,769		1,582,655
Accumulated other comprehensive income (loss)		8,782		6,878		2,629		4,592		(1,105)
Retained earnings		214,116		183,042		155,475		134,748		91,008
Deferred compensation employee stock trust, net		938		1,020		1,034		1,182		1,182
Employee stock trust		(347)		(428)		(443)		(590)		(590)
Total Hilltop stockholders' equity		1,792,527		1,758,648		1,736,954		1,715,690		1,674,145
Noncontrolling interests		3,919		1,363		1,171		1,138		1,119
Total stockholders' equity		1,796,446		1,760,011		1,738,125		1,716,828		1,675,264
Total liabilities & stockholders' equity	$	13,077,902	$	11,731,928	$	11,867,001	$	12,389,456	$	12,478,339

	Three Months Ended
Consolidated Income Statements	June 30,		March 31,		December 31,		September 30,		June 30,
(in 000's, except per share data)	2016		2016		2015		2015		2015
Interest income:
Loans, including fees	$	98,468	$	91,533	$	94,689	$	111,315	$	96,967
Securities borrowed		6,326		7,589		11,242		10,116		9,675
Securities:
Taxable		6,834		6,367		7,046		6,262		6,227
Tax-exempt		1,537		1,637		1,647		1,683		1,557
Other		1,037		1,028		1,338		1,169		1,236
Total interest income		114,202		108,154		115,962		130,545		115,662
Interest expense:
Deposits		4,037		3,839		3,589		3,719		3,900
Securities loaned		4,916		5,987		8,388		7,110		6,889
Short-term borrowings		1,392		1,085		1,218		1,189		1,143
Notes payable		2,618		2,582		2,661		2,524		2,289
Junior subordinated debentures		655		645		616		605		595
Other		187		176		177		187		179
Total interest expense		13,805		14,314		16,649		15,334		14,995
Net interest income		100,397		93,840		99,313		115,211		100,667
Provision for loan losses		28,876		3,407		4,277		5,593		158
Net interest income after provision for loan losses		71,521		90,433		95,036		109,618		100,509
Noninterest income:
Net realized gains (losses) on securities		(46)		46		—		—		—
Net gains from sale of loans and other mortgage production income		167,012		127,297		114,080		137,303		147,175
Mortgage loan origination fees		25,797		18,813		19,514		22,647		20,958
Net insurance premiums earned		38,721		39,733		41,001		41,196		40,318
Securities commissions and fees		40,444		38,319		37,459		39,070		41,213
Investment and securities advisory fees and commissions		29,354		23,819		33,678		27,667		29,665
Other		44,723		29,348		31,195		28,586		22,071
Total noninterest income		346,005		277,375		276,927		296,469		301,400
Noninterest expense:
Employees' compensation and benefits		217,346		182,655		182,472		200,620		200,291
Loss and loss adjustment expenses		37,211		21,959		21,630		17,335		41,241
Policy acquisition and other underwriting expenses		11,316		11,252		11,928		11,784		11,740
Occupancy and equipment, net		26,937		27,791		30,285		29,341		30,842
Other		74,555		81,532		92,406		74,422		69,203
Total noninterest expense		367,365		325,189		338,721		333,502		353,317
Income before income taxes		50,161		42,619		33,242		72,585		48,592
Income tax expense		18,439		14,423		12,020		25,338		18,137
Net income		31,722		28,196		21,222		47,247		30,455
Less: Net income attributable to noncontrolling interest		648		629		495		353		405
Income attributable to Hilltop		31,074		27,567		20,727		46,894		30,050
Dividends on preferred stock		—		—		—		—		428
Income applicable to Hilltop common stockholders	$	31,074	$	27,567	$	20,727	$	46,894	$	29,622
Earnings per common share:
Basic	$	0.32	$	0.28	$	0.21	$	0.47	$	0.30
Diluted	$	0.32	$	0.28	$	0.21	$	0.47	$	0.30
Weighted average shares outstanding:
Basic		98,457		98,153		98,412		98,676		99,486
Diluted		98,586		98,669		99,266		99,556		100,410

	Three Months Ended June 30, 2016
Segment Results					Mortgage						All Other and		Hilltop
(in 000's)	Banking		Broker-Dealer		Origination		Insurance		Corporate		Eliminations		Consolidated
Net interest income (expense)	$	92,029	$	7,440	$	(2,299)	$	758	$	(1,846)	$	4,315	$	100,397
Provision for loan losses		28,613		263		—		—		—		—		28,876
Noninterest income		13,346		102,900		192,881		41,392		1		(4,515)		346,005
Noninterest expense		55,132		91,780		162,488		51,717		6,483		(235)		367,365
Income (loss) before income taxes	$	21,630	$	18,297	$	28,094	$	(9,567)	$	(8,328)	$	35	$	50,161

	Three Months Ended
	June 30,		March 31,		December 31,		September 30,		June 30,
Selected Financial Data	2016		2016		2015		2015		2015
Hilltop Consolidated:
Return on average stockholders' equity		7.07%		6.32%		4.70%		10.97%		7.12%
Return on average assets		1.05%		0.96%		0.68%		1.49%		0.97%
Net interest margin (1)		3.77%		3.67%		3.70%		4.18%		3.72%
Net interest margin (taxable equivalent) (2):
As reported		3.80%		3.70%		3.73%		4.20%		3.75%
Impact of purchase accounting		72 bps		74 bps		79 bps		137 bps		96 bps
Book value per common share ($)		18.20		17.84		17.56		17.35		16.82
Shares outstanding, end of period (000's)		98,498		98,585		98,896		98,893		99,515
Banking Segment:
Net interest margin (1)		4.85%		4.70%		4.90%		5.77%		5.00%
Net interest margin (taxable equivalent) (2):
As reported		4.87%		4.73%		4.92%		5.79%		5.02%
Impact of purchase accounting		104 bps		103 bps		119 bps		210 bps		145 bps
Accretion of discount on loans ($000's)		17,344		16,631		19,503		36,000		23,632
Non-covered net charge-offs (recoveries) ($000's)		26,130		650		2,088		1,775		(532)
Return on average assets		0.66%		0.98%		1.07%		1.64%		1.41%
Fee income ratio		12.67%		13.08%		13.83%		11.64%		14.20%
Efficiency ratio		52.32%		64.97%		62.78%		50.56%		56.95%
Employees' compensation and benefits ($000's)		30,847		29,125		27,456		29,881		30,689
Broker-Dealer Segment:
Employees' compensation and benefits ($000's)		63,976		57,816		62,868		64,099		64,304
Variable compensation expense ($000's)		38,750		29,431		35,298		36,157		33,058
Compensation as a % of net revenue		58.0%		65.7%		63.2%		69.6%		72.8%
Pre-tax margin		16.58%		4.28%		3.70%		1.58%		-2.19%
Mortgage Origination Segment:
Mortgage loan originations - volume ($000's):
Home purchases		3,261,386		2,050,825		2,344,328		2,945,626		2,913,479
Refinancings		889,078		878,291		721,308		693,572		920,286
Home purchases		4,150,464		2,929,116		3,065,636		3,639,198		3,833,765
Mortgage loan sales - volume ($000's)		3,964,190		3,117,605		2,888,903		3,699,047		3,635,853
Mortgage servicing rights asset ($000's) (3)		33,491		39,863		52,285		47,527		44,985
Employees' compensation and benefits ($000's)		117,537		90,690		87,387		101,490		101,220
Variable compensation expense ($000's)		74,604		51,689		48,706		64,582		67,172
Insurance Segment:
Loss and LAE ratio		96.1%		55.3%		52.8%		42.1%		102.3%
Expense ratio		33.9%		33.2%		34.2%		33.3%		33.5%
Combined ratio		130.0%		88.5%		87.0%		75.4%		135.8%
Employees' compensation and benefits ($000's)		2,304		2,178		2,180		2,182		2,065

(1) Net interest margin is defined as net interest income divided by average interest-earning assets.

(2) Net interest margin (taxable equivalent), a non-GAAP measure, is defined as taxable equivalent net interest income divided by average interest-earning assets. Annualized taxable equivalent adjustments are based on a 35% federal income tax rate. The interest income earned on certain earning assets is completely or partially exempt from federal income tax. As such, these tax-exempt instruments typically yield lower returns than taxable investments. To provide more meaningful comparisons of net interest margins for all earning assets, we use net interest income on a taxable-equivalent basis in calculating net interest margin by increasing the interest income earned on tax-exempt assets to make it fully equivalent to interest income earned on taxable investments. For the periods presented, the taxable equivalent adjustments to interest income for Hilltop Consolidated were $0.6 million, $0.7 million, $0.8 million, $0.8 million and $0.7 million, respectively, and for the Banking Segment were $0.5 million, $0.4 million, $0.4 million, $0.4 million and $0.5 million, respectively.

(3) Reported on a consolidated basis, and does not include mortgage servicing rights assets related to loans serviced for the banking segment, which are eliminated in consolidation.

	June 30,		March 31,		December 31,		September 30,		June 30,
Capital Ratios	2016		2016		2015		2015		2015
Tier 1 capital (to average assets):
Bank		12.72%		12.70%		13.22%		12.77%		12.17%
Hilltop		13.18%		13.35%		12.65%		12.01%		11.87%
Common equity Tier 1 capital (to risk-weighted assets):
Bank		14.71%		15.10%		16.23%		17.36%		16.46%
Hilltop		16.67%		17.56%		17.87%		18.36%		18.02%
Tier 1 capital (to risk-weighted assets):
Bank		14.77%		15.12%		16.25%		17.36%		16.46%
Hilltop		17.26%		18.17%		18.48%		18.89%		18.74%
Total capital (to risk-weighted assets):
Bank		15.51%		15.87%		16.99%		18.13%		17.17%
Hilltop		17.69%		18.60%		18.89%		19.29%		19.29%

	June 30,		March 31,		December 31,		September 30,		June 30,
Non-Covered Non-Performing Loans Portfolio Data	2016		2016		2015		2015		2015
Non-covered loans accounted for on a non-accrual basis ($000's):
Commercial and industrial		18,412		19,179		17,764		22,302		23,353
Real estate		4,777		7,802		7,160		7,087		6,612
Construction and land development		139		102		114		118		253
Consumer		61		1		7		14		21
Broker-dealer		—		—		—		—		—
		23,389		27,084		25,045		29,521		30,239
Non-covered non-performing loans as a % of total non-covered loans		0.33%		0.40%		0.37%		0.46%		0.48%
Non-covered other real estate owned ($000's)		2,656		543		394		511		920
Other repossessed assets ($000's)		—		30		—		—		—
Non-covered non-performing assets ($000's)		26,045		27,657		25,439		30,032		31,159
Non-covered non-performing assets as a percentage of total assets		0.20%		0.24%		0.21%		0.24%		0.25%
Non-covered non-PCI loans past due 90 days or more and still accruing ($000's)		50,032		51,943		50,776		37,435		31,073
Troubled debt restructurings included in accruing non-covered loans ($000's)		1,235		1,409		1,418		3,664		2,830

	Three Months Ended June 30,
	2016						2015
	Average		Interest		Annualized		Average		Interest		Annualized
	Outstanding		Earned or		Yield or		Outstanding		Earned or		Yield or
	Balance		Paid		Rate		Balance		Paid		Rate
Assets
Interest-earning assets
Loans, gross (1)	$	7,038,518	$	98,468	5.56	%	$	6,563,094	$	96,967	5.88	%
Investment securities - taxable		1,080,097		6,813	2.53	%		1,087,238		6,210	2.29	%
Investment securities - non-taxable (2)		291,288		2,166	2.98	%		235,229		2,296	3.91	%
Federal funds sold and securities purchased under agreements to resell		144,820		36	0.10	%		93,871		15	0.06	%
Interest-bearing deposits in other financial institutions		388,520		484	0.50	%		580,610		327	0.23	%
Other		1,760,367		6,864	1.54	%		2,293,444		10,586	1.83	%
Interest-earning assets, gross		10,703,610		114,831	4.27	%		10,853,486		116,401	4.27	%
Allowance for loan losses		(51,247)						(41,789)
Interest-earning assets, net		10,652,363						10,811,697
Noninterest-earning assets		1,523,095						1,748,109
Total assets	$	12,175,458					$	12,559,806
Liabilities and Stockholders' Equity
Interest-bearing liabilities
Interest-bearing deposits	$	4,821,695	$	4,037	0.34	%	$	4,749,690	$	3,900	0.33	%
Notes payable and other borrowings		2,722,028		9,768	1.44	%		3,345,511		11,095	1.32	%
Total interest-bearing liabilities		7,543,723		13,805	0.73	%		8,095,201		14,995	0.74	%
Noninterest-bearing liabilities
Noninterest-bearing deposits		2,203,065						2,168,728
Other liabilities		657,435						601,480
Total liabilities		10,404,223						10,865,409
Stockholders’ equity		1,768,717						1,693,785
Noncontrolling interest		2,518						612
Total liabilities and stockholders' equity	$	12,175,458					$	12,559,806
Net interest income (2)			$	101,026					$	101,406
Net interest spread (2)					3.53	%					3.53	%
Net interest margin (2)					3.80	%					3.75	%

(1) Average balance includes non-accrual loans.

(2) Annualized taxable equivalent adjustments are based on a 35% federal income tax rate. The taxable equivalent adjustments to interest income were $0.6 million and $0.7 million for the three months ended June 30, 2016 and 2015, respectively.

	June 30,		March 31,		December 31,		September 30,
PlainsCapital Bank - Energy Exposure	2016		2016		2015		2015
Select Energy Statistics
Outstanding energy loan balance ($M)		223.6		233.5		179.8		194.9
Energy unfunded commitments ($M)		88.5		102.9		108.7		110.0
Energy loans as a % of total loans		4.2%		4.5%		3.6%		4.0%
Classified and criticized energy loans ($M):
Criticized energy loans		12.7		13.0		3.4		0.0
Performing classified energy loans		22.1		33.4		25.7		27.0
Non-performing classified energy loans		6.7		4.9		3.6		2.8
		41.5		51.3		32.7		29.8
Unimpaired energy reserves ($M)		9.8		9.2		7.3		6.5
Energy reserves as a % of energy loans		4.7%		4.3%		4.4%		3.4%
Energy NCOs ($M)		0.4		0.2		1.2		1.1
Energy Portfolio Breakdown
Exploration and production		10%		13%		19%		20%
Services:
Field services		22%		22%		21%		15%
Pipeline construction		15%		15%		23%		25%
		37%		37%		44%		40%
Midstream:
Distribution		38%		37%		25%		25%
Transportation		9%		7%		7%		7%
		47%		44%		32%		32%
Other:
Wholesalers		1%		1%		2%		2%
Equipment rentals		0%		0%		1%		5%
Equipment wholesalers		5%		5%		2%		1%
Total		100%		100%		100%		100%

Conference Call Information

Hilltop will host a live webcast and conference call at 8:00 AM Central (9:00 AM Eastern) on Thursday, July 28, 2016. Hilltop President and CEO Jeremy B. Ford and other key management members will discuss results for the second quarter of 2016. Interested parties can access the conference call by dialing 1-877-508-9457 (domestic) or 1-412-317-0789 (international). The conference call also will be webcast simultaneously on Hilltop’s Investor Relations website (http://ir.hilltop-holdings.com).

About Hilltop

Hilltop Holdings is a Dallas-based financial holding company. Through its wholly owned subsidiary, PlainsCapital Corporation, a regional commercial banking franchise, it has two operating subsidiaries: PlainsCapital Bank and PrimeLending. Through its wholly owned subsidiaries, Hilltop Securities Inc. and Hilltop Securities Independent Network Inc., it provides a full complement of securities brokerage, institutional and investment banking services in addition to clearing services and retail financial advisory. Through Hilltop Holdings’ other wholly owned subsidiary, National Lloyds Corporation, it provides property and casualty insurance through two insurance companies, National Lloyds Insurance Company and American Summit Insurance Company. At June 30, 2016, Hilltop employed approximately 5,400 people and operated approximately 450 locations in 44 states. Hilltop Holdings' common stock is listed on the New York Stock Exchange under the symbol "HTH." Find more information at Hilltop-Holdings.com, PlainsCapital.com, PrimeLending.com, Nationallloydsinsurance.com and Hilltopsecurities.com.

FORWARD-LOOKING STATEMENTS

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements anticipated in such statements. Forward-looking statements speak only as of the date they are made and, except as required by law, we do not assume any duty to update forward-looking statements. Such forward-looking statements include, but are not limited to, statements concerning such things as our business strategy, our financial condition, our efforts to make strategic acquisitions, the integration of the operations acquired in the SWS Merger, our revenue, our liquidity and sources of funding, market trends, operations and business, expectations concerning mortgage loan origination volume, expected losses on covered loans and related reimbursements from the Federal Deposit Insurance Corporation (“FDIC”), expected levels of refinancing as a percentage of total loan origination volume, projected losses on mortgage loans originated, anticipated changes in our revenues or earnings, the effects of

government regulation applicable to our operations, the appropriateness of our allowance for loan losses and provision for loan losses, the collectability of loans and the outcome of litigation, our other plans, objectives, strategies, expectations and intentions and other statements that are not statements of historical fact, and may be identified by words such as “anticipates,” “believes,” “could,” “estimates,” “expects,” “forecasts,” “goal,” “intends,” “may,” “might,” “plan,” “probable,” “projects,” “seeks,” “should,” “target,” “view” or “would” or the negative of these words and phrases or similar words or phrases. The following factors, among others, could cause actual results to differ from those set forth in the forward-looking statements: (i) risks associated with merger and acquisition integration, including our ability to promptly and effectively integrate our businesses with those acquired in the SWS Merger and achieve the anticipated synergies and cost savings in connection therewith, as well as the diversion of management time on acquisition- and integration-related issues; (ii) our ability to estimate loan losses; (iii) changes in the default rate of our loans; (iv) changes in general economic, market and business conditions in areas or markets where we compete, including changes in the price of crude oil; (v) risks associated with concentration in real estate related loans; (vi) severe catastrophic events in Texas and other areas of the southern United States; (vii) changes in the interest rate environment; (viii) cost and availability of capital; (vix) effectiveness of our data security controls in the face of cyber attacks; (x) changes in state and federal laws, regulations or policies affecting one or more of the our business segments, including changes in regulatory fees, deposit insurance premiums, capital requirements and the Dodd-Frank Wall Street Reform and Consumer Protection Act; (xi) approval of new, or changes in, accounting policies and practices; (xii) changes in key management; (xiii) competition in our banking, broker-dealer, mortgage origination and insurance segments from other banks and financial institutions, as well as investment banking and financial advisory firms, mortgage bankers, asset-based non-bank lenders, government agencies and insurance companies; (xiv) our ability to obtain reimbursements for losses on acquired loans under loss-share agreements with the FDIC to the extent the FDIC determines that we did not adequately manage the covered loan portfolio; (xv) failure of our insurance segment reinsurers to pay obligations under reinsurance contracts; and (xvi) our ability to use excess cash in an effective manner, including the execution of successful acquisitions. For further discussion of such factors, see the risk factors described in the Hilltop Annual Report on Form 10-K for the year ended December 31, 2015 and other reports filed with the Securities and Exchange Commission. All forward-looking statements are qualified in their entirety by this cautionary statement.

Source: Hilltop Holdings Inc.