Wednesday, April 16, 2014

Fourth Quarter 2013 Financial Highlights

(Unaudited) / (Dollar amounts in thousands)

Earnings Summary

For the Twelve Months Ending on December 31 2013
Net interest income $29,370
Provision for loan losses 1,750
Non-Interest income 105,412
Non-Interest expense 104,849
Income taxes 8,113
Net income 20,070

Performance Ratios (annualized)*

For the Twelve Months Ending on December 31 2013
Net income to average shareholder's equity 9.29%
Net income to average total assets 1.29
Net Interest margin 2.02

Average Balance Sheet Summary

For the Twelve Months Ending on December 31 2013
Total assets $2,239,649
Loans - net 594,475
Securities 561,514
Total earnings assets 2,107,687
Total deposits and short-term funding 1,986,107

Period End Data

December 31 2013
Total assets $2,184,373
Tier I capital to average assets 9.95%
Tier I capital to risk weighted assets 22.88
Total capital to risk weighted assets 24.13
Allowance for loan losses as a percentage of loans 2.57
Loans to total deposits and short-term funding 34.17
Non performing assets to total loans + foreclosed assets 0.79
Texas Ratio 3.63%

*Excluding excess liquidity placed at TIB by customer banks.

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