SAFE & SOUND® STAR RATINGS

Financial statement

TEXAS GULF BANK, NATIONAL ASSOCIATION
200 WEST SECOND STREET
ANGLETON, Texas 77515

STAR RATING: 5 starstarstarstarstar
Predictive Indicator neutral
As of March 31, 2014
Federal Reserve System Identifier 514655




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$490,789$487,591$491,121
Loans Receivable, Net280,512278,377257,754
Mortgage-Backed Securities24,13422,69719,630
Investments158,335154,836149,255
Deposits423,061439,123441,189
Borrowings17,00000
Equity49,57847,55349,036
Net Interest Income4,39517,68416,236
Fee Income5022,0991,067
Overhead3,65114,33413,020
Net Operating Income1,6135,8625,076
Net Income1,6135,8625,076
Ratio Analysis Profitability%%%
Return on Assets *1.281.211.17
Operating Return on Assets *1.281.211.17
Return on Equity *13.1012.3210.64
Net Interest Margin *3.883.823.81
Fee Income / Assets *0.430.430.25
Overhead / Assets *3.002.953.01
Efficiency Ratio69.2769.6569.09
Asset Quality%%%
Nonperforming Assets / Assets0.080.090.13
Nonperforming Assets / Equity & Loss Reserves0.750.831.26
Loss Reserves / Nonperforming Loans979.29906.05573.22
1-4 Fam Mtg + MBS / Assets17.4217.2917.20
Commercial Real Estate Loans / Assets22.8322.3520.12
Construction Loans / Assets10.6110.247.11
Commercial & Industrial Loans / Assets8.738.639.93
Consumer Loans / Assets1.411.531.71
Capitalization%%%
Equity / Assets10.109.759.98
Tangible Capital / Tangible Assets9.949.599.82
Risk-based Capital Ratio15.2715.2715.16
Liquidity%%%
Loans / Deposits66.3163.3958.42
Non-Interest Bearing Deposits / Deposits26.5325.9926.57
Purchased Liabilities7.794.437.80

* Calculations are based on the latest four quarters of income and expense.
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