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Regulation F Financial Highlights

Regulation F

Financial Highlights

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

 

Q1 2024

Q2 2024

Q3 2024

Q4 2024

Q1 2025

Consolidated Balance Sheet      
Total Assets ($)

29,180,585

29,854,994

31,629,299

30,731,883

 31,375,749

Loans Held for Investment (LHI)

16,677,691

16,700,569

16,764,512

17,234,492 

17,654,243 

LHI, Mortgage Finance

4,153,313

5,078,161

5,529,659

 5,215,574 

 4,725,541 

Total LHI 

20,831,004

21,778,730

22,294,171

 22,450,066 

22,379,784 

Demand Deposits

8,478,215

7,987,715

9,070,804

7,485,428 

7,874,780 

Total Deposits

23,954,037

23,818,327

25,865,255

25,238,599 

26,053,034 

Stockholders' Equity

3,170,662

3,175,601

3,354,044

3,367,936 

3,429,774 

Consolidated Statement of Income

 

 

 

 

 

Net Income ($)

26,142

41,662

(61,319)

 71,023 

  47,047

Diluted Earnings per Common Share ($)

0.46

0.80

(1.41)

 1.43 

 0.92 

Credit Quality

 

 

 

 

 

Allowance for Credit Losses on Loans ($)

263,962

267,297

273,143

 271,709 

 278,379 

Provision for Credit Losses on Loans

24,753

15,290

9,350

10,637

16,467 

Net Charge Offs

10,764

11,955

6,083

12,071 

9,797

Non-Performing Assets

102,099

85,021

88,960

111,165 

93,565

Total Provision for Credit Losses to Average LHI

0.38%

0.38%

0.18%

0.32%

0.32%

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

0.46%

0.48%

0.24%

0.43% 

0.39% 

Total Allowance for Credit Losses to LHI

1.46%

1.44%

1.43%

1.45% 

1.48% 

Total Allowance for Credit Losses to LHI, excluding Mortgage Finance

1.79%

1.84%

1.87%

1.87%

1.85%

Texas Ratio (1)

3.08%

2.48%

2.60%

3.17% 

2.55% 

Selected Financial Ratios 

 

 

 

 

 

Net Interest Margin

3.03%

3.01%

3.16%

 2.93%

  3.19%

Return on Average Assets

0.36%

0.56%

(0.78)%

0.88%

0.61%

Return on Average Common Equity

3.03%

5.26%

(8.87)%

8.50%

5.56%

Efficiency Ratio (2)

79.0%

70.6%

155.8%

60.7%

72.4%

Tangible Common Equity to Total Tangible Assets (3)

9.8%

9.6%

9.7%

10.0%

10.0%

Common Equity Tier 1

12.4%

11.6%

11.2%

11.4%

11.6%

Tier 1 Capital

13.9%

13.1%

12.6%

12.8%

13.1%

Total Capital

16.6%

15.7%

15.2%

15.4%

15.6%

Leverage 

12.4%

12.2%

11.4%

11.3%

11.8%

Long-Term Issuer Credit RatingsS&PMoody's

 

 

 
Texas Capital Bancshares, Inc.BBB-Baa3 

 

 

 

Texas Capital BankBBBBaa2

 

 

 

(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.