Financial Highlights
2019 FQ2 YTD
6/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 29,970,384 28,257,767 25,075,645 21,697,134 18,903,821
Total Net Loans 25,182,912 24,346,026 21,500,761 18,299,152 16,656,914
Total Deposits 22,999,077 20,606,113 19,123,180 17,016,831 15,084,619
Equity Attributable to Parent Company 2,668,452 2,500,394 2,202,721 2,009,557 1,623,533
Total Equity 2,668,452 2,500,394 2,202,721 2,009,557 1,623,533
Profitability (%)
Net Income($000) 160,808 300,824 197,063 155,119 144,854
Net Income Attributable to Parent($000) 160,808 300,824 197,063 155,119 144,854
ROAA 1.14 1.19 0.87 0.74 0.79
Core ROAA 1.05 1.20 0.95 0.74 0.80
ROAE 12.41 12.72 9.30 9.03 9.34
ROATCE 12.93 13.37 9.70 9.40 9.79
Core ROAE 11.39 12.78 10.17 9.05 9.37
Net Interest Margin 3.51 3.75 3.46 3.11 3.12
Reported: Net Interest Margin 3.56 3.78 3.49 3.14 3.14
Efficiency Ratio 54.07 52.64 54.15 54.73 54.25
Noninterest Inc/ Operating Rev 7.26 7.99 8.89 8.68 7.90
Balance Sheet Ratios (%)
Loans/ Deposits 105.83 109.52 108.11 102.83 110.79
Securities/ Assets 1.63 1.14 0.70 0.58 0.58
Total Equity/ Total Assets 8.90 8.85 8.78 9.26 8.59
Tangible Equity/ Tangible Assets 8.85 8.79 8.71 9.18 8.49
Tang Common Equity/ Tang Assets 8.35 8.26 8.12 8.49 7.70
Asset Quality (%)
NPAs/ Assets 0.38 0.28 0.45 0.86 0.96
NPA Excl Restructured/ Assets 0.38 0.28 0.45 0.86 0.95
NPAs & 90+ PD/ Assets 0.43 0.32 0.48 0.91 0.99
NPAs/ Loans & REO 0.45 0.33 0.52 1.01 1.07
Nonaccrual & 90+ & OREO/ Assets 0.43 0.32 0.48 0.91 0.99
NPAs & 90+ PD/ Loans & REO 0.51 0.37 0.56 1.07 1.12
NPA & Loans 90+/ Tangible Common Equity + LLR 4.76 3.56 5.48 9.83 11.76
NCOs/ Avg Loans 0.20 0.35 0.16 0.28 0.07
Loan Loss Reserves/ Gross Loans 0.84 0.78 0.85 0.91 0.84
Reserves/ NPAs 188.08 238.05 163.14 90.03 78.16
Loan Loss Provision/ NCO 193.72 108.83 155.43 156.79 460.41
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,490,722 2,330,599 2,033,830 1,841,219 1,455,662
Tier 1 Capital($000) 2,748,206 2,589,374 2,293,016 2,101,071 1,716,170
Tier 2 Capital($000) 507,309 484,723 475,137 460,592 436,122
Total Capital($000) 3,255,515 3,074,097 2,768,153 2,561,663 2,152,292
Total Risk-weighted Assets($000) 28,729,592 27,176,223 24,078,401 20,530,621 19,479,146
Tier 1 Common Capital (CET1) Ratio(%) 8.67 8.58 8.45 8.97 7.47
Tier 1 Ratio(%) 9.57 9.53 9.52 10.23 8.81
Total Capital Ratio(%) 11.33 11.31 11.50 12.48 11.05
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.23 9.87 9.15 9.34 8.92
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,297,552 50,200,710 49,643,344 49,503,662 45,873,807
Avg Diluted Shares(actual) 50,359,993 50,272,872 50,259,834 46,765,902 46,437,872
Basic Book Value per Share 50.07 46.82 41.35 37.56 32.12
Book Value per Share, As Reported 50.07 46.82 41.35 37.56 32.12
Basic Tangible Book Value per Share 49.71 46.45 40.97 37.17 31.69
Tangible Book Value per Share, As Reported 49.71 46.45 40.97 37.17 31.69
EPS after Extra 3.10 5.79 3.73 3.11 2.91
EPS after Extra Growth(%) 12.30 55.20 19.90 6.90 1
Core EPS 2.84 5.82 4.10 3.12 2.92
Core EPS Growth(%) 2.60 42.10 31.40 6.80 1
Diluted EPS before Amortization 3.10 5.80 3.74 3.12 2.92
Pre-Provision Earnings per Share 3.60 7.14 4.63 4.18 3.65
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

Contact Information

Texas Capital Bancshares, Inc.,
2000 McKinney Avenue
Suite 700
Dallas, TX 75201
(214) 932-6600

Investor Relations Contact
Heather Worley
(214) 932-6646
heather.worley@
texascapitalbank.com

Transfer Agent
Computershare Investor Services LLC
Two North Lasalle Street
Third Floor
Chicago, IL 60602
(800) 568-3476
(312) 588-4990

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