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 June 30, 2014
Federal Reserve System Identifier 514655




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$510,773$487,591$491,121
Loans Receivable, Net288,500278,377257,754
Mortgage-Backed Securities23,35122,69719,630
Investments156,423154,836149,255
Deposits439,179439,123441,189
Borrowings19,00000
Equity51,33847,55349,036
Net Interest Income8,87017,68416,236
Fee Income1,0202,0991,067
Overhead7,40914,33413,020
Net Operating Income3,3655,8625,076
Net Income3,3655,8625,076
Ratio Analysis Profitability%%%
Return on Assets *1.391.211.17
Operating Return on Assets *1.391.211.17
Return on Equity *13.9112.3210.64
Net Interest Margin *3.893.823.81
Fee Income / Assets *0.430.430.25
Overhead / Assets *3.022.953.01
Efficiency Ratio68.9369.6569.09
Asset Quality%%%
Nonperforming Assets / Assets0.070.090.13
Nonperforming Assets / Equity & Loss Reserves0.660.831.26
Loss Reserves / Nonperforming Loans985.99906.05573.22
1-4 Fam Mtg + MBS / Assets16.3217.2917.20
Commercial Real Estate Loans / Assets22.2522.3520.12
Construction Loans / Assets10.8410.247.11
Commercial & Industrial Loans / Assets9.088.639.93
Consumer Loans / Assets1.411.531.71
Capitalization%%%
Equity / Assets10.059.759.98
Tangible Capital / Tangible Assets9.899.599.82
Risk-based Capital Ratio15.3315.2715.16
Liquidity%%%
Loans / Deposits65.6963.3958.42
Non-Interest Bearing Deposits / Deposits29.1025.9926.57
Purchased Liabilities10.034.437.80

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