Tuesday, July 22, 2014

First Quarter 2014 Financial Highlights

(Unaudited) / (Dollar amounts in thousands)

Earnings Summary

For the Three Months Ending on March 31 2014
Net interest income $8,278
Provision for loan losses 200
Non-Interest income 23,897
Non-Interest expense 24,963
Income taxes 1,980
Net income 5,032

Performance Ratios (annualized)*

For the Three Months Ending on March 31 2014
Net income to average shareholder's equity 9.41%
Net income to average total assets 1.24
Net Interest margin 2.36

Average Balance Sheet Summary

For the Three Months Ending on March 31 2014
Total assets $2,381,175
Loans - net 627,194
Securities 521,507
Total earnings assets 2,254,337
Total deposits and short-term funding 2,133,887

Period End Data

March 31 2014
Total assets $2,386,463
Tier I capital to average assets 9.11%
Tier I capital to risk weighted assets 23.16
Total capital to risk weighted assets 24.42
Allowance for loan losses as a percentage of loans 2.61
Loans to total deposits and short-term funding 30.18
Non performing assets to total loans + foreclosed assets 0.59
Texas Ratio 1.63%

*Excluding excess liquidity placed at TIB by customer banks.

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