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SAFE & SOUND® STAR RATINGS

TEXAS GULF BANK, NATIONAL ASSOCIATION

1626 SOUTH VOSS ROAD
ANGLETON, Texas 77515

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




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$520,568$487,591$491,121
Loans Receivable, Net314,686278,377257,754
Mortgage-Backed Securities22,22622,69719,630
Investments149,894154,836149,255
Deposits457,037439,123441,189
Borrowings9,00000
Equity53,51047,55349,036
Net Interest Income18,11417,68416,236
Fee Income2,0832,0991,067
Overhead14,75214,33413,020
Net Operating Income6,9015,8625,076
Net Income6,9015,8625,076
Ratio Analysis Profitability%%%
Return on Assets *1.391.211.17
Operating Return on Assets *1.391.211.17
Return on Equity *13.3212.3210.64
Net Interest Margin *3.803.823.81
Fee Income / Assets *0.420.430.25
Overhead / Assets *2.982.953.01
Efficiency Ratio68.1869.6569.09
Asset Quality%%%
Nonperforming Assets / Assets0.060.090.13
Nonperforming Assets / Equity & Loss Reserves0.530.831.26
Loss Reserves / Nonperforming Loans1174.43906.05573.22
1-4 Fam Mtg + MBS / Assets17.3617.2917.20
Commercial Real Estate Loans / Assets22.7622.3520.12
Construction Loans / Assets11.9510.247.11
Commercial & Industrial Loans / Assets10.588.639.93
Consumer Loans / Assets1.301.531.71
Capitalization%%%
Equity / Assets10.289.759.98
Tangible Capital / Tangible Assets10.129.599.82
Risk-based Capital Ratio15.3115.2715.16
Liquidity%%%
Loans / Deposits68.8563.3958.42
Non-Interest Bearing Deposits / Deposits28.1025.9926.57
Purchased Liabilities6.254.437.80

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