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SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 514655




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$491,121$416,386$343,255
Loans Receivable, Net257,754214,179148,275
Mortgage-Backed Securities19,63023,22718,576
Investments149,255152,191141,977
Deposits441,189369,631303,146
Borrowings000
Equity49,03645,88238,990
Net Interest Income16,23613,47811,643
Fee Income1,0671,1591,233
Overhead13,02012,08410,306
Net Operating Income5,0763,2972,979
Net Income5,0763,2972,979
Ratio Analysis Profitability%%%
Return on Assets *1.170.880.94
Operating Return on Assets *1.170.880.94
Return on Equity *10.647.597.56
Net Interest Margin *3.813.683.89
Fee Income / Assets *0.250.310.39
Overhead / Assets *3.013.243.27
Efficiency Ratio69.0975.9473.47
Asset Quality%%%
Nonperforming Assets / Assets0.130.090.06
Nonperforming Assets / Equity & Loss Reserves1.260.730.46
Loss Reserves / Nonperforming Loans573.221.291.56
1-4 Fam Mtg + MBS / Assets17.2018.0819.55
Commercial Real Estate Loans / Assets20.1220.0814.29
Construction Loans / Assets7.115.315.05
Commercial & Industrial Loans / Assets9.9311.248.26
Consumer Loans / Assets1.711.792.01
Capitalization%%%
Equity / Assets9.9811.0211.36
Tangible Capital / Tangible Assets9.8210.8311.13
Risk-based Capital Ratio15.1616.1920.47
Liquidity%%%
Loans / Deposits58.4257.9448.91
Non-Interest Bearing Deposits / Deposits26.5722.3221.30
Purchased Liabilities7.8012.109.79

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.43%
1 yr CD
0.62% 0.63%
5 yr CD
1.22% 1.24%
1 yr jumbo CD
0.65% 0.65%
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