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 September 30, 2014
Federal Reserve System Identifier 514655




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$500,877$487,591$491,121
Loans Receivable, Net297,561278,377257,754
Mortgage-Backed Securities23,14222,69719,630
Investments150,391154,836149,255
Deposits444,320439,123441,189
Borrowings2,00000
Equity52,79547,55349,036
Net Interest Income13,44417,68416,236
Fee Income1,5482,0991,067
Overhead11,09614,33413,020
Net Operating Income5,1525,8625,076
Net Income5,1525,8625,076
Ratio Analysis Profitability%%%
Return on Assets *1.411.211.17
Operating Return on Assets *1.411.211.17
Return on Equity *13.7812.3210.64
Net Interest Margin *3.843.823.81
Fee Income / Assets *0.420.430.25
Overhead / Assets *3.012.953.01
Efficiency Ratio68.3669.6569.09
Asset Quality%%%
Nonperforming Assets / Assets0.080.090.13
Nonperforming Assets / Equity & Loss Reserves0.750.831.26
Loss Reserves / Nonperforming Loans844.00906.05573.22
1-4 Fam Mtg + MBS / Assets17.2117.2917.20
Commercial Real Estate Loans / Assets22.5422.3520.12
Construction Loans / Assets11.6210.247.11
Commercial & Industrial Loans / Assets10.238.639.93
Consumer Loans / Assets1.381.531.71
Capitalization%%%
Equity / Assets10.549.759.98
Tangible Capital / Tangible Assets10.389.599.82
Risk-based Capital Ratio15.5715.2715.16
Liquidity%%%
Loans / Deposits66.9763.3958.42
Non-Interest Bearing Deposits / Deposits27.5825.9926.57
Purchased Liabilities5.124.437.80

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