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Regulation F Financial Highlights

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Regulation F

Financial Highlights

Dollars in thousands except per share data; interim period ratios are annualized.

  Q2 2021 Q3 2021 Q4 2021 Q1 2022 Q2 2022
Consolidated Balance Sheet           

Total Assets ($)

 35,228,542   36,404,320   34,731,738   31,085,377 
 
32,338,963

Loans Held for Investment (LHI)

 15,168,565   15,221,404   15,331,457   15,849,434 
 
17,517,866

LHI, Mortgage Finance

 8,772,799   8,528,313   7,475,497   5,827,965 
 
6,549,507

Total LHI 

 23,719,853   23,527,760   22,595,088   21,466,248 
 
23,838,360

Demand Deposits

 14,228,038   14,970,462   13,390,370   13,434,723 
 
12,555,367

Total Deposits

 28,839,563   29,813,668   28,109,365   25,377,938 
 
25,440,021

Stockholders' Equity

 3,114,957   3,147,752   3,209,616   3,090,038 
 
3,006,832
Consolidated Statement of Income          

Net Income ($)

 73,481  43,390   65,130   39,650 
 
34,159

Diluted Earnings per Common Share ($)

 1.31   0.76   1.19   0.69 
 
0.59
Credit Quality          

Allowance for Credit Losses on Loans ($)

 221,511   221,957   211,866   211,151 
 
229,013

Provision for Credit Losses on Loans

 (18,600) 3536  (9,054)  (1,227)
 
20,511

Net Charge Offs

 2,373   3,090   1,037   (512)
 
2,649

Non-Performing Assets

 86,636   87,532   72,502   59,327 
 
50,526

Total Provision for Credit Losses to Average LHI

(0.34)% 0.09% (0.17)%  (0.04)% 
 
0.39%

Total Provision for Credit Losses to Average LHI, excluding Mortgage Finance

(0.50)% 0.13% (0.26)%  (0.05)% 
 
0.53%

Total Allowance for Credit Losses to LHI

1.00% 1.01% 1.00%  1.05% 
 
1.03%

Total Allowance for Credit Losses to LHI, excluding Mortgage Finance

1.46% 1.46% 1.38%  1.44% 
 
1.41%

Texas Ratio (1)

2.92% 2.83% 2.35%  2.11% 
 
1.72%
Selected Financial Ratios           

Net Interest Margin

2.02% 2.11% 2.12%  2.23% 
 
2.68%

Return on Average Assets

0.76% 0.47% 0.69%  0.47% 
 
0.44%

Return on Average Common Equity

9.74% 5.41% 8.36%  4.97% 
 
4.35%

Efficiency Ratio (2)

65.6% 71.1% 65.0%  75.1% 
 
70.9%

Tangible Common Equity to Total Tangible Assets (3)

7.9% 7.8% 8.3%  8.9% 
 
8.3%

Common Equity Tier 1

10.5% 10.7% 11.1%  11.5% 
 
10.5%

Tier 1 Capital

12.1% 12.2% 12.6%  13.0% 
 
11.9%

Total Capital

14.8% 14.9% 15.3%  15.7% 
 
14.4%

Leverage 

8.4% 9.0% 9.0%  9.9% 
 
10.7%
Long-Term Issuer Credit Ratings S&P Moody's      

Texas Capital Bancshares, Inc.

BBB- Baa3      

Texas Capital Bank

BBB ----------      

(1) Non-performing assets plus loans 90+ days past due, divided by the stockholders' equity plus allowance for credit losses on loans less goodwill and intangibles.

(2) Non-interest expense divided by the sum of net interest income and non-interest income.

(3) Stockholders' equity excluding preferred stock, less goodwill and intangibles, divided by total assets, less goodwill and intangibles.

(3) Stockholders' equity excluding preferred stock, less goodwill and intangibles, divided by total assets, less goodwill and intangibles.