Financial Highlights
2017 FQ3 YTD
9/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 24,400,998 21,697,134 18,903,821 15,900,034 11,717,174
Total Net Loans 21,243,745 18,299,152 16,656,914 14,156,058 11,182,970
Total Deposits 19,081,257 17,016,831 15,084,619 12,673,300 9,257,379
Equity Attributable to Parent Company 2,158,363 2,009,557 1,623,533 1,484,190 1,096,350
Total Equity 2,158,363 2,009,557 1,623,533 1,484,190 1,096,350
Profitability (%)
Net Income($000) 152,321 155,119 144,854 136,352 121,051
Net Income Attributable to Parent($000) 152,321 155,119 144,854 136,352 121,051
ROAA 0.93 0.74 0.79 1.05 1.17
Core ROAA 0.93 0.74 0.80 1.05 1.22
ROAE 9.71 9.03 9.34 10.74 12.09
ROATCE 10.14 9.40 9.79 11.56 13.14
Core ROAE 9.76 9.05 9.37 10.78 12.57
Net Interest Margin 3.45 3.11 3.12 3.75 4.18
Reported: Net Interest Margin 3.49 3.14 3.14 3.78 4.22
Efficiency Ratio 54.12 54.73 54.25 55.18 53.53
Noninterest Inc/ Operating Rev 9.06 8.68 7.90 8.18 9.50
Balance Sheet Ratios (%)
Loans/ Deposits 107.28 102.83 110.79 112.50 121.75
Securities/ Assets 0.61 0.58 0.58 0.72 1.01
Total Equity/ Total Assets 8.85 9.26 8.59 9.33 9.36
Tangible Equity/ Tangible Assets 8.77 9.18 8.49 9.22 9.19
Tang Common Equity/ Tang Assets 8.16 8.49 7.70 8.27 7.91
Asset Quality (%)
NPAs/ Assets 0.56 0.86 0.96 0.29 0.34
NPA Excl Restructured/ Assets 0.56 0.86 0.95 0.28 0.32
NPAs & 90+ PD/ Assets 0.60 0.91 0.99 0.32 0.42
NPAs/ Loans & REO 0.64 1.01 1.07 0.32 0.35
Nonaccrual & 90+ & OREO/ Assets 0.60 0.91 0.99 0.31 0.40
NPAs & 90+ PD/ Loans & REO 0.68 1.07 1.12 0.36 0.43
NPA & Loans 90+/ Tangible Common Equity + LLR 6.69 9.83 11.76 3.60 4.81
NCOs/ Avg Loans 0.21 0.28 0.07 0.05 0.05
Loan Loss Reserves/ Gross Loans 0.85 0.91 0.84 0.71 0.78
Reserves/ NPAs 134.18 90.03 78.16 221.01 222.23
Loan Loss Provision/ NCO 151.30 156.79 460.41 312.58 370.87
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,989,547 1,841,219 1,455,662 1,312,225 923,256
Tier 1 Capital($000) 2,248,403 2,101,071 1,716,170 1,573,007 1,184,018
Tier 2 Capital($000) 474,005 460,592 436,122 NA NA
Total Capital($000) 2,722,408 2,561,663 2,152,292 1,967,021 1,387,312
Total Risk-weighted Assets($000) 23,820,952 20,530,621 19,479,146 16,632,762 12,934,005
Tier 1 Common Capital (CET1) Ratio(%) 8.35 8.97 7.47 7.89 7.14
Tier 1 Ratio(%) 9.44 10.23 8.81 9.46 9.15
Total Capital Ratio(%) 11.43 12.48 11.05 11.83 10.73
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.57 9.34 8.92 10.76 10.87
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 49,621,825 49,503,662 45,873,807 45,735,007 41,036,370
Avg Diluted Shares(actual) 50,240,018 46,765,902 46,437,872 44,003,256 41,779,881
Basic Book Value per Share 40.47 37.56 32.12 29.17 23.06
As-reported Book Value per Share 40.47 37.56 32.12 29.17 23.06
Basic Tangible Book Value per Share 40.09 37.17 31.69 28.72 22.54
Reported: Tangible Book Value 40.09 37.17 31.69 28.72 22.54
EPS after Extra 2.89 3.11 2.91 2.88 2.72
EPS after Extra Growth(%) 35 6.90 1 5.90 (9.30)
Core EPS 2.90 3.12 2.92 2.89 2.84
Core EPS Growth(%) 35.40 6.80 1 1.90 (7.80)
Diluted EPS before Amortization 2.90 3.12 2.92 2.90 2.74
Pre-Provision Earnings per Share 3.42 4.18 3.65 3.21 3.13
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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