TIB Ticker - TIB Well Capitalized for 1Q2012

May 01, 2012Daily Rates & Viewpoints From the Officers & Staff of TIB.

TIB Well Capitalized for 1Q2012

TIB’s risk-based capital ratios continue to exceed the guidelines for the highest rating of “Well Capitalized” for Regulation F purposes. Furthermore, credit assessment ratios for monitoring “Correspondent Concentration Risk” are also in compliance.

TIB’s risk-based capital ratios as reported in the most recent Consolidated Reports of Condition and Income are noted below.

· TABLE: Capital Ratios as of March 31, 2012

Ratio	“Well Capitalized" Minimums	TIB
Tier 1 Leverage Capital Ratio	5.0%	7.4%
Tier 1 Risk-Based Capital Ratio	6.0%	24.3%
Total Risk-Based Capital Ratio	10.0%	25.6%

For the complete Correspondent Concentration Risk Compliance report, please see the following link:

http://www.mybankersbank.com/files/view/id/209

Chuck Phelan Chuck Phelan
SVP
cphelan@mybankersbank.com

Market Levels @ 8:15 AM CDT

TIB Fed Funds & MMDA Rates - Previous Day
Agent	0.20%	Prin	0.05%	MMDA	0.30%
Agent	0.20%	STAR Prin	0.10%	STAR MMDA	0.35%

Key Indices/Commodities
1 - Month LIBOR	0.23%	Dow Jones	13213.63
3 - Month LIBOR	0.46%	NASDAQ 100	3046.36
1-Yr LIBOR	1.04%	S&P 500	1393.60
1-Yr CMT	0.20%	Spot Gold	1669.80
Prime	3.25%	Spot Silver	31.21
3-yr LIBOR Swap/Offer	0.65%	Spot Crude Oil	104.62
5-yr LIBOR Swap/Offer	1.08%	CRB Index	305.89
3 Mo - Fed Fund Futures	0.14%	6 Mo - Fed Fund Futures	0.15%

US Treasury Yields		US Non-Callable Agency Yields
Yield	Maturity	Yield	Spread
0.00%	90 - Days
0.04%	180 - Days
0.20%	2 - Year	0.23%	3bp
0.33%	3 - Year	0.47%	14bp
0.77%	5 - Year	1.02%	25bp
1.87%	10 - Year	2.25%	38bp
3.07%	30 - Year
167 BPs		Yield Curve(2's-10's)

Sample 1x Callable Agency Issues
Description	Call Date	YTC	YTM
FHLMC 0.60 5/22/15	5/13	0.60%	0.60%

Select MBS Levels
Description	Coupon	Yield	Spread/Duration*
15-Yr FNMA	3.50%	1.94%	132 / 3.83
30-Yr GNMA	3.50%	2.89%	86 / 9.17
*Duration @ 12 month Historical CPR

Morning Commentary:	Blake Scharlach
Stocks are set to open flat this morning and treasuries are little changed. We’ll have construction spending and manufacturing data later this morning – and it appears that information is what the markets are waiting on. Overseas, a British manufacturing index dropped more than expected, but the Chinese purchasing manager’s index rose more than expected. Net/net, it all means a flat open. We’ll also have auto sales data released later in the day. Most of the labor numbers will be released later this week – and it’s likely we’ll have a fairly boring week until those numbers come in – barring any external surprises. But with all the chaos in Europe these days, external surprises are quite common. 10 minutes before the bell the Dow is set to open up 7 points to around 13,220 and the 10 year Treasury is 1.91%. The long bond is 3.10%.

Morning Commentary:

Blake Scharlach

Stocks are set to open flat this morning and treasuries are little changed. We’ll have construction spending and manufacturing data later this morning – and it appears that information is what the markets are waiting on. Overseas, a British manufacturing index dropped more than expected, but the Chinese purchasing manager’s index rose more than expected. Net/net, it all means a flat open. We’ll also have auto sales data released later in the day. Most of the labor numbers will be released later this week – and it’s likely we’ll have a fairly boring week until those numbers come in – barring any external surprises. But with all the chaos in Europe these days, external surprises are quite common. 10 minutes before the bell the Dow is set to open up 7 points to around 13,220 and the 10 year Treasury is 1.91%. The long bond is 3.10%.

Information contained herein is based on sources we believe to be reliable but its accuracy is not guaranteed. Customers should rely on their own outside counsel or accounting firm for specific circumstances. The securities, yields or levels discussed herein are for illustration purposes and are not guaranteed, not obligations of any bank, thrift or other entity and are not insured by the FDIC.

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