Thursday, July 31, 2014

Second Quarter 2014 Financial Highlights

(Unaudited) / (Dollar amounts in thousands)

Earnings Summary

For the Six Months Ending on June 30 2014
Net interest income $16,389
Provision for loan losses 200
Non-Interest income 48,529
Non-Interest expense 51,637
Income taxes 3,647
Net income 9,434

Performance Ratios (annualized)*

For the Six Months Ending on June 30 2014
Net income to average shareholder's equity 8.64%
Net income to average total assets 1.14
Net Interest margin 2.31

Average Balance Sheet Summary

For the Six Months Ending on June 30 2014
Total assets $2,355,460
Loans - net 639,762
Securities 512,462
Total earnings assets 2,227,694
Total deposits and short-term funding 2,106,262

Period End Data

June 30 2014
Total assets $2,251,411
Tier I capital to average assets 9.39%
Tier I capital to risk weighted assets 21.93
Total capital to risk weighted assets 23.18
Allowance for loan losses as a percentage of loans 2.36
Loans to total deposits and short-term funding 34.83
Non performing assets to total loans + foreclosed assets 0.51
Texas Ratio 1.53%

*Excluding excess liquidity placed at TIB by customer banks.

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