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-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, BpeivqcMlfQdCmvrKFgunnQCOyGcEP/w1qgzxfxirmyt4w3fhSE7KDz/1gIGuDCL 9nnPwoUMXUjvZJUlRlxXRA== 0000950134-06-019393.txt : 20061020 0000950134-06-019393.hdr.sgml : 20061020 20061020160552 ACCESSION NUMBER: 0000950134-06-019393 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 24 CONFORMED PERIOD OF REPORT: 20061018 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20061020 DATE AS OF CHANGE: 20061020 FILER: COMPANY DATA: COMPANY CONFORMED NAME: TEXAS CAPITAL BANCSHARES INC/TX CENTRAL INDEX KEY: 0001077428 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 752671109 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-30533 FILM NUMBER: 061155700 BUSINESS ADDRESS: STREET 1: 2100 MCKINNEY AVE STREET 2: SUITE 1250 CITY: DALLAS STATE: TX ZIP: 75201 BUSINESS PHONE: 2149326600 MAIL ADDRESS: STREET 1: 2100 MCKINNEY AVE STREET 2: SUITE 1250 CITY: DALLAS STATE: TX ZIP: 75201 8-K 1 d40460e8vk.htm FORM 8-K e8vk

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

Current Report Pursuant
to Section 13 or 15(d) of the
Securities and Exchange Act of 1934

Date of Report (Date of earliest event reported): October 20, 2006 (October 18, 2006)

TEXAS CAPITAL BANCSHARES, INC.

(Name of Registrant)


Delaware	000-30533	75-2679109
(State or other jurisdiction of	(Commission	(I.R.S. Employer
incorporation or organization)	File Number)	Identification Number)

2100 McKinney Avenue, Suite 900, Dallas, Texas, U.S.A.
(Address of principal executive officers)

75201
(Zip Code)

214-932-6600
(Registrant’s telephone number,
including area code)

N/A
(Former address of principal executive offices)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Item 2.02. Results of Operations and Financial Condition.

(a)

On October 18, 2006, Texas Capital Bancshares, Inc. issued a press release and made a concurrent public presentation regarding its operating and financial results for its fiscal quarter ended September 30, 2006. A copy of the press release is attached hereto as Exhibit 99.1. A copy of the presentation is attached hereto as Exhibit 99.2.

The information in this report (including the exhibit hereto) shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended, nor shall such information be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, except as expressly set forth by specific reference in such a filing.

Item 9.01. Financial Statements and Exhibits.

(c)

Exhibits

	99.1		Press Release dated October 18, 2006 of Texas Capital Bancshares, Inc., announcing its operating and financial results for its fiscal quarter ended September 30, 2006

	99.2		Presentation given October 18, 2006 discussing Texas Capital Bancshares, Inc.’s operating and financial results for its fiscal quarter ended September 30, 2006

FORWARD-LOOKING STATEMENTS

The information in this report contains forward-looking statements within the meaning of Section 27A of the United States Securities Act of 1933 and Section 21E of the United States Securities and Exchange Act of 1934. Such statements are based upon current expectations that involve risks and uncertainties that may be outside of our control. Any statements contained herein that are not statements of historical fact may be deemed to be forward-looking statements. For example, words such as “may,” “will,” “should,” “estimates,” “predicts,” “potential,” “continue,” “strategy,” “believes,” “anticipates,” “plans,” “expects,” “intends,” and similar expressions are intended to identify forward-looking statements. Our actual results and the timing of certain events may differ significantly from the results discussed in the forward-looking statements.

SIGNATURE

Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.


Date: October 20, 2006	TEXAS CAPITAL BANCSHARES, INC.
	By:	/s/ Peter B. Bartholow
		Peter B. Bartholow
		Chief Financial Officer

EXHIBIT INDEX


Exhibit		Description
99.1		Press Release dated October 18, 2006 of Texas Capital Bancshares, Inc., announcing its operating and financial results for its fiscal quarter ended September 30, 2006

99.2		Presentation given October 18, 2006 discussing Texas Capital Bancshares, Inc.’s operating and financial results for its fiscal quarter ended September 30, 2006

EX-99.1 2 d40460exv99w1.htm PRESS RELEASE DATED OCTOBER 18, 2006 exv99w1

EXHIBIT 99.1

For Immediate Release
October 18, 2006

INVESTOR CONTACT
Myrna Vance, 214.932.6646
myrna.vance@texascapitalbank.com

TEXAS CAPITAL BANCSHARES ANNOUNCES OPERATING RESULTS FOR Q3 2006

DALLAS — October 18, 2006 — Texas Capital Bancshares, Inc. (NASDAQ: TCBI), the parent company of Texas Capital Bank, announced earnings for the third quarter of 2006.

	•		Net income increased 4%

	•		Net income from continuing operations increased 8%

	•		EPS increased 7%

	•		EPS adjusted for FAS 123R increased 11%

	•		Loans held for investment grew 31%

	•		Total loans grew 33%

	•		Demand deposits grew 2%

	•		Total deposits grew 20%

“We have completed another very good quarter in terms of growth and improved profitability,” said Jody Grant, Chairman and CEO. “Management’s commitment to improving operations has been evidenced by the sale of our RML division and the re-direction of our resources to those areas offering the greatest potential for the long-term profitability of the bank.”

FINANCIAL SUMMARY
(dollars and shares in thousands)


	Q3 2006			Q3 2005			% Change
OPERATING RESULTS
From Continuing Operations
Net Income	$	8,037		$	7,445			8	%
Diluted EPS	$	.30		$	.28			7	%
ROA		.94	%		1.03	%
ROE		13.83	%		14.14	%
Diluted Shares		26,412			26,676

Consolidated results, including discontinued operations
Net Income	$	7,870		$	7,584			4	%
Diluted EPS	$	.30		$	.28			7	%
ROA		.91	%		1.04	%
ROE		13.54	%		14.41	%
Diluted Shares		26,412			26,676

BALANCE SHEET
Total Assets⁽¹⁾	$	3,463,009		$	2,898,207			19	%
Demand Deposits		467,750			457,333			2	%
Total Deposits		2,776,648			2,312,345			20	%
Loans Held for Investment		2,543,059			1,935,818			31	%
Total Loans⁽¹⁾		2,694,314			2,020,292			33	%
Stockholders’ Equity		239,792			212,318			13	%


(1)		From continuing operations

DETAILED FINANCIALS

Texas Capital Bancshares, Inc. reported net income of $7.9 million and $8.0 million from continuing operations for the third quarter of 2006 compared to reported net income of $7.6 million and $7.4 million from continuing operations for the third quarter of 2005. On a fully diluted basis, reported earnings per share were $.30 for the three months ended September 30, 2006, compared to $.28 for the same quarter last year, an increase of 7 percent. On a fully diluted basis, assuming FAS 123R had been adopted at September 30, 2005, earnings per share in the third quarter of 2006 would have represented an increase of 11 percent compared to $.27 for the third quarter of 2005. FAS 123R expense for the third quarter of 2006 is approximately $742,000, representing $.02 on a fully diluted basis.

Return on average equity was 13.54 percent and return on average assets was .91 percent for the third quarter of 2006, compared to 14.41 percent and 1.04 percent, respectively, for the third quarter of 2005. From continuing operations, return on average equity was 13.83 percent and return on average assets was .94 percent for the third quarter of 2006, compared to 14.14 and 1.03 percent, respectively, for the third quarter of 2005.

Net interest income was $30.1 million for the third quarter of 2006, compared to $24.9 million for the third quarter of 2005. The increase was due to an increase in average earning assets of $487.5 million over levels reported in the third quarter of 2005 and an improvement in the net interest margin. The increase in average earning assets included a $594.9 million increase in average loans held for investment and an increase of $65.0 million in average loans held for sale, offset by a decrease of $136.2 million in average securities. The net interest margin in the third quarter of 2006 from continuing operations was 3.80 percent, an 8 basis point increase from the third quarter of 2005 and a 7 basis point decrease from the second quarter of 2006. The improvement in the net interest margin for the third quarter of 2006 as compared to the third quarter of 2005 resulted primarily from a 153 basis point increase in the yield on earning assets while interest expense as a percentage of earning assets increased by only 145 basis points.

Average total deposits increased by $679.1 million from the third quarter of 2005 and by $294.2 from the second quarter of 2006. For the same periods, the average balance of demand deposits increased to $464.6 million from $420.3 million and declined by $3.8 million from the second quarter of 2006. Average interest bearing liabilities increased $448.2 million from the third quarter of 2005, net of a $238.9 million decrease in other borrowings.

Key measures of credit quality remained favorable and consistent with previous guidance for 2006 operating results. In the third quarter of 2006, the Company realized net recoveries of $445,000, compared to net recoveries of $134,000 in the third quarter of 2005 and net charge-offs of $1.5 million in the second quarter of 2006. For the most recent 12-month period, the net charge-off ratio was .05 percent. Non-accrual loans were $6.4 million, or .25 percent of loans, at the end of the third quarter of 2006, compared to $1.3 million, or .07 percent of loans, at the end of third quarter of 2005, and $5.1 million, or .21 percent at the end of the second quarter of 2006. Loans 90 days past due and still accruing were $2.6 million at the end of the third quarter of 2006 and included $2.6 million in premium finance loans, compared to $941,000 at the end of the third quarter of 2005. The premium finance loans are primarily secured by obligations of insurance carriers to refund premiums on cancelled insurance policies. The refund of premiums from the insurance carriers can take up to 180 days from the cancellation date. The Company recorded a $750,000 provision for loan losses in the third quarter of 2006. Reserve coverage of historical losses, non-performing assets and classified loans remains strong. In management’s opinion, the reserve is sufficient to cover all reasonably expected losses in the portfolio and is derived from consistent application of the methodology for establishing the adequacy of reserves for Texas Capital Bank’s loan portfolio.

Non-interest income for the third quarter of 2006 increased $1.8 million, or 52 percent, to

$5.4 million from $3.6 million in the third quarter of 2005. The increase is primarily related to a $943,000 increase in insurance commission income from $114,000 to $1.1 million due to increased focus on the insurance business. Rental income on leased equipment increased $1.1 million related to expansion of our operating lease portfolio. Additionally, trust fee income increased $230,000 due to continued growth of trust assets.

Non-interest expense for the third quarter of 2006 increased $5.4 million, or 32 percent, to $22.5 million from $17.1 million in the third quarter of 2005. The increase is primarily related to a $2.9 million increase in salaries and employee benefits to $13.1 million from $10.2 million, of which $742,000 relates to FAS 123R. The increase in salaries and employee benefits resulted from an increase in commissions and incentives for insurance lines of business, the total number of employees related to the addition of the premium finance business and general business growth. Leased equipment depreciation increased $883,000 from $45,000 to $928,000 in the third quarter of 2006 related to expansion of our operating lease portfolio. Occupancy expense increased $440,000 from $1.5 million to $2.0 million in the third quarter of 2006 relating to our general business growth.

On September 29, 2006, Texas Capital Bancshares, Inc. issued $41.2 million of trust preferred, which matures in 2036. The proceeds were used to augment capital for support of future growth.

On October 16, 2006, Texas Capital Bank completed the sale of its Residential Mortgage Loan division. The sale was effective as of September 30, 2006, and is, accordingly, reported as a discontinued operation. The effects of the discontinued operations on operating results, including the proceeds of the sale, are reflected in the financial statements and schedules. The Bank’s mortgage warehouse operations were not part of the sale, and are included in the results from continuing operations.

ABOUT TEXAS CAPITAL BANCSHARES, INC.

Texas Capital Bancshares, Inc. (NASDAQ: TCBI) is the parent company of Texas Capital Bank, a commercial bank that delivers highly personalized financial services to businesses and private clients. Headquartered in Dallas, the Bank has full-service locations in Austin, Dallas, Fort Worth, Houston and San Antonio.

This release contains forward-looking statements, which are subject to risks and uncertainties. A number of factors, many of which are beyond Texas Capital Bancshares’ control, could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. These risks and uncertainties include the risk of adverse impacts from general economic conditions, competition, interest rate sensitivity and exposure to regulatory and legislative changes. These and other factors that could cause results to differ materially from those described in the forward-looking statements can be found in the Form 10-K and other filings made by Texas Capital Bancshares with the Securities and Exchange Commission.

TEXAS CAPITAL BANCSHARES, INC.

SELECTED FINANCIAL HIGHLIGHTS (UNAUDITED)
(Dollars in thousands except per share data)


	3^rdQuarter			2^ndQuarter			1^stQuarter			4^th Quarter			3^rdQuarter
	2006			2006			2006			2005			2005

CONSOLIDATED STATEMENT OF OPERATIONS
Interest income	$	62,848		$	57,434		$	50,666		$	46,815		$	42,806
Interest expense		32,747			28,421			23,799			20,494			17,933

Net interest income		30,101			29,013			26,867			26,321			24,873
Provision for loan losses		750			2,250			—			—			—

Net interest income after provision for loan losses		29,351			26,763			26,867			26,321			24,873
Non-interest income		5,406			4,675			4,418			3,845			3,559
Non-interest expense		22,563			21,968			20,893			18,844			17,144

Income from continuing operations before income taxes		12,194			9,470			10,392			11,322			11,288
Income tax expense		4,157			3,230			3,543			3,833			3,843

Net income from continuing operations (after-tax)	$	8,037		$	6,240		$	6,849		$	7,489		$	7,445
Income (loss) from discontinued operations (after-tax)		(167	)		101			(206	)		256			139

Net income	$	7,870		$	6,341		$	6,643		$	7,745		$	7,584

Diluted EPS from continuing operations	$	.30		$	.24		$	.26		$	.28		$	.28
Diluted EPS	$	.30		$	.24		$	.25		$	.29		$	.28

Diluted shares		26,411,834			26,524,552			26,567,893			26,736,858			26,676,335

CONSOLIDATED BALANCE SHEET DATA
Total assets	$	3,463,009		$	3,381,099		$	3,158,044		$	3,003,439		$	2,898,207
Loans held for investment		2,543,059			2,417,814			2,263,007			2,075,961			1,935,818
Loans held for sale		151,255			133,112			95,397			72,383			84,474
Securities		554,732			573,053			604,987			630,482			674,792
Demand deposits		467,750			532,130			481,410			512,294			457,333
Total deposits		2,776,648			2,922,494			2,463,719			2,495,179			2,312,345
Other borrowings		338,801			173,730			441,991			265,721			366,501
Long-term debt		113,406			72,168			46,394			46,394			20,620
Stockholders’ equity		239,792			224,693			221,766			215,523			212,318

End of period shares		26,031,829			25,940,874			25,854,651			25,771,718			25,672,369
Book value (excluding securities gains/losses)	$	9.50		$	9.20		$	8.94		$	8.68		$	8.36

SELECTED FINANCIAL RATIOS
Net interest margin		4.01	%		4.10	%		4.09	%		4.13	%		3.97	%
Net interest margin from continuing operations		3.80	%		3.87	%		3.87	%		3.87	%		3.72	%
Return on average assets		.91	%		.78	%		.88	%		1.04	%		1.04	%
Return on average assets from continuing operations		.94	%		.77	%		.91	%		1.02	%		1.03	%
Return on average equity		13.54	%		11.39	%		12.22	%		14.53	%		14.41	%
Return on average equity from continuing operations		13.83	%		11.21	%		12.60	%		14.05	%		14.14	%
Efficiency ratio⁽¹⁾		63.5	%		65.2	%		66.8	%		62.5	%		60.3	%
Non-interest expense to earning assets⁽¹⁾		2.83	%		2.91	%		2.98	%		2.74	%		2.54	%
Tier 1 capital ratio		11.1	%		10.1	%		9.6	%		10.1	%		9.5	%
Total capital ratio		11.8	%		10.7	%		10.3	%		10.8	%		10.3	%
Tier 1 leverage ratio		10.2	%		9.1	%		8.6	%		8.7	%		7.8	%


(1)		From continuing operations

TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED BALANCE SHEETS (UNAUDITED)
(Dollars in thousands)


	September 30,			September 30,			%
	2006			2005			Change

Assets
Cash and due from banks	$	113,461		$	105,584			7	%
Federal funds sold		—			38,110			N/M
Securities, available-for-sale		554,732			674,792			(18	)%
Loans held for sale		151,255			84,474			79	%
Loans held for sale from discontinued operations		31,004			34,455			(10	)%
Loans held for investment (net of unearned income)		2,543,059			1,935,818			31	%
Less: Allowance for loan losses		20,841			18,908			10	%

Loans held for investment, net		2,522,218			1,916,910			32	%
Premises and equipment, net		31,605			6,916			N/M
Accrued interest receivable and other assets		76,616			63,203			21	%
Goodwill and intangibles, net		13,122			8,218			59	%

Total assets	$	3,494,013		$	2,932,662			19	%


Liabilities and Stockholders’ Equity
Liabilities:
Deposits:
Non-interest bearing	$	467,750		$	457,333			2	%
Interest bearing		1,490,010			1,318,108			13	%
Interest bearing in foreign branches		818,888			536,904			53	%

Total deposits		2,776,648			2,312,345			20	%

Accrued interest payable		5,188			4,051			28	%
Other liabilities		20,178			16,827			20	%
Federal funds purchased		181,780			93,897			94	%
Repurchase agreements		55,844			271,044			(79	)%
Other borrowings		101,177			1,560			N/M
Long-term debt		113,406			20,620			450	%

Total liabilities		3,254,221			2,720,344			20	%

Stockholders’ equity:
Common stock, $.01 par value:
Authorized shares - 100,000,000
Issued shares - 26,031,829 and 25,672,369 at September 30, 2006 and 2005, respectively		261			257
Additional paid-in capital		179,017			174,904
Retained earnings		68,093			39,494
Treasury stock (shares at cost: 84,274 at September 30, 2006 and 2005, respectively)		(573	)		(573	)
Deferred compensation		573			573
Accumulated other comprehensive income (loss)		(7,579	)		(2,337	)

Total stockholders’ equity		239,792			212,318			13	%

Total liabilities and stockholders’ equity	$	3,494,013		$	2,932,662			19	%

CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)
(In thousands except per share data)


	Three Months Ended					Nine Months Ended
	September 30					September 30
	2006			2005		2006			2005

Interest income
Interest and fees on loans	$	56,320		$	35,023	$	150,812		$	88,454
Securities		6,488			7,442		20,045			23,625
Federal funds sold		24			334		51			428
Deposits in other banks		16			7		40			137

Total interest income		62,848			42,806		170,948			112,644
Interest expense
Deposits		28,337			13,658		70,013			33,037
Federal funds purchased		1,753			734		6,094			2,669
Repurchase agreements		665			2,706		3,429			7,251
Other borrowings		634			451		2,078			809
Long-term debt		1,358			384		3,353			1,069

Total interest expense		32,747			17,933		84,967			44,835

Net interest income		30,101			24,873		85,981			67,809
Provision for loan losses		750			—		3,000			—

Net interest income after provision for loan losses		29,351			24,873		82,981			67,809
Non-interest income
Service charges on deposit accounts		780			816		2,441			2,390
Trust fee income		1,008			778		2,717			1,979
Bank owned life insurance (BOLI) income		255			267		833			846
Brokered loan fees		656			962		1,508			1,581
Insurance commissions		1,057			114		2,588			399
Equipment rental income		1,147			43		2,475			58
Other		503			579		1,937			1,457

Total non-interest income		5,406			3,559		14,499			8,710
Non-interest expense
Salaries and employee benefits		13,181			10,237		38,650			28,156
Net occupancy expense		1,960			1,520		6,014			4,495
Leased equipment depreciation		928			45		2,095			46
Marketing		712			711		2,352			2,168
Legal and professional		1,634			1,183		4,467			3,383
Communications and data processing		861			658		2,316			2,227
Franchise taxes		58			49		223			139
Other		3,229			2,741		9,307			6,668

Total non-interest expense		22,563			17,144		65,424			47,282

Income from continuing operations before income taxes		12,194			11,288		32,056			29,237
Income tax expense		4,157			3,843		10,930			9,950

Income from continuing operations (after-tax)		8,037			7,445		21,126		$	19,287
Income (loss) from discontinued operations (after-tax)		(167	)		139		(272	)		160

Net income	$	7,870		$	7,584	$	20,854		$	19,447


Basic earnings per share:
Income from continuing operations	$	.31		$	.29	$	.82		$	.75
Net income	$	.30		$	.30	$	.80		$	.76

Diluted earnings per share:
Income from continuing operations	$	.30		$	.28	$	.80		$	.72
Net income	$	.30		$	.28	$	.79		$	.73

TEXAS CAPITAL BANCSHARES, INC.

SUMMARY OF LOAN LOSS EXPERIENCE
(Dollars in thousands)


	3^rd Quarter			2^nd Quarter			1^st Quarter			4^th Quarter			3^rd Quarter
	2006			2006			2006			2005			2005

Beginning balance	$	19,646		$	18,909		$	18,897		$	18,908		$	18,774
Loans charged-off:
Commercial		70			1,618			—			60			14
Real estate		—			—			—			—			—
Consumer		—			—			3			8			32
Leases		—			30			10			6			—

Total		70			1,648			13			74			46
Recoveries:
Commercial		441			5			4			3			115
Consumer		—			—			1			—			—
Leases		74			130			20			60			65

Total recoveries		515			135			25			63			180

Net charge-offs (recoveries)		(445	)		1,513			(12	)		11			(134	)
Provision for loan losses		750			2,250			—			—			—

Ending balance	$	20,841		$	19,646		$	18,909		$	18,897		$	18,908


Reserve to loans held for investment ⁽²⁾		.82	%		.81	%		.84	%		.91	%		.98	%
Reserve to average loans held for investment ⁽²⁾		84	%		.83	%		.87	%		.94	%		1.00	%
Net charge-offs (recoveries) to average loans ^(1) (2)		(.07	)%		.26	%		(.00	)%		.00	%		(.03	)%
Net charge-offs (recoveries) to average loans for last twelve months^{(1) (2)}		.05	%		.07	%		(.01	)%		(.01	)%		.00	%
Provision for loan losses to average loans ^{(1) (2)}		.12	%		.38	%		—			—			—
Recoveries to gross charge-offs		735.71	%		8.19	%		192.31	%		85.14	%		391.3	%
Reserve as a multiple of net charge-offs		N/M			13.0	x		N/M			1,717.9	x		N/M

Non-performing loans:
Loans past due (90 days) ⁽³⁾	$	2,627		$	2,746		$	2,824		$	2,795		$	941
Non-accrual		6,432			5,063			6,032			5,657			1,353

Total	$	9,059		$	7,809		$	8,856		$	8,452		$	2,294


Other real estate owned	$	882		$	89		$	89			—			—

Reserve to non-performing loans		2.3	x		2.5	x		2.1	x		2.2	x		8.2	x
Reserve to non-accrual loans		3.2	x		3.9	x		3.1	x		3.3	x		14.0	x
Reserve to non-performing assets		2.1	x		2.5	x		2.1	x		2.2	x		8.2	x
Non-accrual loans to loans⁽²⁾		.25	%		.21	%		.27	%		.27	%		.07	%
Loans past due 90 days to loans⁽²⁾		.10	%		.11	%		.12	%		.13	%		.05	%
Non-performing loans to loans⁽²⁾		.36	%		.32	%		.39	%		.41	%		.12	%


(1)		Interim period ratios are annualized.

(2)		Excludes loans held for sale.

(3)		At September 30, 2006, loans past due 90 days and still accruing includes premium finance loans of $2.6 million (98% of total). These loans are primarily secured by obligations of insurance carriers to refund premiums on cancelled insurance policies. The refund of premiums from the insurance carriers can take up to 180 days from the cancellation date.

TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED STATEMENT OF OPERATIONS (UNAUDITED)
(Dollars in thousands)


	3^rd Quarter			2^nd Quarter		1^st Quarter			4^th Quarter		3^rd Quarter
	2006			2006		2006			2005		2005

Interest income
Interest and fees on loans	$	56,320		$	50,692	$	43,800		$	39,535	$	35,023
Securities		6,488			6,726		6,831			7,087		7,442
Federal funds sold		24			3		24			183		334
Deposits in other banks		16			13		11			10		7

Total interest income		62,848			57,434		50,666			46,815		42,806
Interest expense
Deposits		28,337			22,369		19,307			16,991		13,658
Federal funds purchased		1,753			2,433		1,908			919		734
Repurchase agreements		665			1,562		1,202			1,727		2,706
Other borrowings		634			890		554			68		451
Long-term debt		1,358			1,167		828			789		384

Total interest expense		32,747			28,421		23,799			20,494		17,933

Net interest income		30,101			29,013		26,867			26,321		24,873
Provision for loan losses		750			2,250		—			—		—

Net interest income after provision for loan losses		29,351			26,763		26,867			26,321		24,873
Non-interest income
Service charges on deposit accounts		780			805		856			833		816
Trust fee income		1,008			866		843			760		778
Bank owned life insurance (BOLI) income		255			292		286			290		267
Brokered loan fees		656			483		369			178		962
Insurance commissions		1,057			808		723			648		114
Equipment rental income		1,147			815		513			178		43
Other		503			606		828			958		579

Total non-interest income		5,406			4,675		4,418			3,845		3,559
Non-interest expense
Salaries and employee benefits		13,181			13,067		12,402			10,740		10,237
Net occupancy and equipment expense		1,960			1,984		2,070			1,561		1,520
Leased equipment depreciation		928			786		381			148		45
Marketing		712			924		716			806		711
Legal and professional		1,634			1,365		1,468			1,783		1,183
Communications and data processing		861			756		699			673		658
Franchise taxes		58			104		61			134		49
Other		3,229			2,982		3,096			2,999		2,741

Total non-interest expense		22,563			21,968		20,893			18,844		17,144

Income from continuing operations before income taxes		12,194			9,470		10,392			11,322		11,288
Income tax expense		4,157			3,230		3,543			3,833		3,843

Income from continuing operations (after-tax)		8,037			6,240		6,849			7,489		7,445
Income (loss) from discontinued operations (after-tax)		(167	)		101		(206	)		256		139

Net income	$	7,870		$	6,341	$	6,643		$	7,745	$	7,584

QUARTERLY FINANCIAL SUMMARY – UNAUDITED
Consolidated Daily Average Balances, Average Yields and Rates
(Dollars in thousands)


	3^rd Quarter 2006							2^nd Quarter 2006							1^st Quarter 2006							4^th Quarter 2005							3^rd Quarter 2005
	Average		Revenue/		Yield/			Average		Revenue/		Yield/			Average		Revenue/		Yield/			Average		Revenue/		Yield/			Average		Revenue/		Yield/
	Balance		Expense ⁽¹⁾		Rate			Balance		Expense ⁽¹⁾		Rate			Balance		Expense ⁽¹⁾		Rate			Balance		Expense ⁽¹⁾		Rate			Balance		Expense ⁽¹⁾		Rate
Assets
Securities – Taxable	$	507,156	$	6,055		4.74	%	$	537,934	$	6,291		4.69	%	$	567,653	$	6,396		4.57	%	$	598,280	$	6,653		4.41	%	$	643,319	$	7,007		4.32	%
Securities – Non-taxable⁽²⁾		48,595		666		5.44	%		48,614		669		5.52	%		48,635		669		5.58	%		48,655		668		5.45	%		48,675		669		5.45	%
Federal funds sold		1,750		24		5.44	%		200		3		6.02	%		2,233		24		4.36	%		18,553		183		3.91	%		37,532		334		3.53	%
Deposits in other banks		1,498		16		4.24	%		908		13		5.74	%		1,079		11		4.13	%		980		10		4.05	%		895		7		3.10	%
Loans held for sale		150,225		2,747		7.25	%		103,483		1,752		6.79	%		71,282		1,154		6.57	%		70,355		1,141		6.43	%		85,252		1,311		6.10	%
Loans held for sale from discontinued operations⁽³⁾		27,422		2,278		32.96	%		33,806		2,462		29.21	%		30,748		2,141		28.24	%		29,527		2,380		31.98	%		35,929		2,339		25.83	%
Loans held for investment		2,479,057		53,573		8.57	%		2,360,189		48,940		8.32	%		2,168,410		42,646		7.98	%		2,006,132		38,394		7.59	%		1,884,161		33,713		7.10	%
Less reserve for loan losses		19,823		–		–			19,129		–		–			18,898		–		–			18,924		–		–			18,882		–		–

Loans, net of reserve		2,636,881		58,598		8.82	%		2,478,349		53,154		8.60	%		2,251,542		45,941		8.28	%		2,087,090		41,915		7.97	%		1,986,460		37,363		7.46	%

Total earning assets		3,195,880		65,359		8.11	%		3,066,005		60,130		7.87	%		2,871,142		53,041		7.49	%		2,753,558		49,429		7.12	%		2,716,881		45,380		6.63	%
Cash and other assets		217,663							208,502							205,999							189,004							175,986

Total assets	$	3,413,543						$	3,274,507						$	3,077,141						$	2,942,562						$	2,892,867


Liabilities and Stockholders’ Equity
Transaction deposits	$	99,549	$	303		1.21	%	$	112,046	$	310		1.11	%	$	117,685	$	312		1.08	%	$	108,245	$	282		1.03	%	$	107,398	$	271		1.00	%
Savings deposits		769,271		8,684		4.48	%		701,007		7,257		4.15	%		671,102		6,195		3.74	%		691,575		5,800		3.33	%		628,019		4,442		2.81	%
Time deposits		643,708		8,069		4.97	%		684,630		7,784		4.56	%		635,250		6,664		4.25	%		564,405		5,561		3.91	%		614,433		5,548		3.58	%
Deposits in foreign branches		845,338		11,281		5.29	%		562,223		7,018		5.01	%		541,084		6,136		4.60	%		518,316		5,348		4.09	%		373,298		3,397		3.61	%

Total interest bearing deposits		2,357,866		28,337		4.77	%		2,059,906		22,369		4.36	%		1,965,121		19,307		3.98	%		1,882,541		16,991		3.58	%		1,723,148		13,658		3.14	%
Other borrowings		265,772		3,358		5.01	%		439,230		5,234		4.78	%		380,832		3,951		4.21	%		325,350		2,954		3.60	%		504,700		4,146		3.26	%
Long-term debt		73,064		1,358		7.37	%		64,521		1,167		7.25	%		46,394		828		7.24	%		44,716		789		7.00	%		20,620		384		7.39	%

Total interest bearing liabilities		2,696,702		33,053		4.86	%		2,563,657		28,770		4.50	%		2,392,347		24,086		4.08	%		2,252,607		20,734		3.65	%		2,248,468		18,188		3.21	%
Demand deposits		464,645							468,449							445,012							458,743							420,288
Other liabilities		21,633							19,055							19,309							19,701							15,265
Stockholders’ equity		230,563							223,346							220,473							211,511							208,846

Total liabilities and stockholders’ equity	$	3,413,543						$	3,274,507						$	3,077,141						$	2,942,562						$	2,892,867


Net interest income			$	32,306						$	31,360						$	28,955						$	28,695						$	27,192
Net interest margin						4.01	%						4.10	%						4.09	%						4.13	%						3.97	%

Net interest income from discontinued operations			$	1,972						$	2,113						$	1,854						$	2,140						$	2,084

Net interest income from continuing operations:			$	30,334						$	29,247						$	27,101						$	26,555						$	25,108
Total earning assets from continuing operations	$	3,168,458						$	3,032,199						$	2,840,394						$	2,724,031						$	2,680,952
Net interest margin from continuing operations						3.80	%						3.87	%						3.87	%						3.87	%						3.72	%


(1)		The loan averages include loans on which the accrual of interest has been discontinued and are stated net of unearned income.

(2)		Taxable equivalent rates used where applicable.

(3)		Revenue includes origination fees and other loan fees for our residential mortgage loans that are earned when the loan is sold. This increases our overall yield on these loans since most of the mortgage loans are on our books for less than 30 days.

EX-99.2 3 d40460exv99w2.htm PRESENTATION GIVEN OCTOBER 18, 2006 exv99w2

Exhibit 99.2

Earnings Release October 18, 2006

Certain matters discussed on this call may contain forward-looking statements, which are subject to risks and uncertainties. A number of factors, many of which are beyond Texas Capital Bancshares' control, could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. These risks and uncertainties include the risk of adverse impacts from general economic conditions, competition, interest rate sensitivity and exposure to regulatory and legislative changes. These and other factors that could cause results to differ materially from those described in the forward-looking statements can be found in our annual report on Form 10-K for the year ended December 31, 2005, and other filings made by Texas Capital Bancshares with the Securities and Exchange Commission.

Opening Comments Financial highlights Net income for Q3-2006 of $7.9 million - $8.0 million from continuing operations EPS for Q3-2006 of $0.30 for both continuing operations and consolidated Growth of 33% in total loans and 20% in total deposits over Q3-2005 Business dynamics Successful sale of RML division Increased focus on core businesses and more productive use of resources Continuing operations represent modest improvement in net income, ROA and ROE Opportunity to share in upside with RML part of larger mortgage organization Another quarter of strong loan growth Credit quality and provision consistent with annual guidance Improving trends in new businesses

Performance Summary Net income for Q3-2006 at $8.0 million Increase of 29% from Q2-2006 and 8% from Q3-2005 EPS increase of 25% to $0.30 from Q2-2006 and 7% from Q3-2005 EPS increased 11% compared to Q3-2005 as adjusted for FAS 123R Growth in loans Held for investment - 32% growth over Q3-2005; increase of 5% on linked-quarter basis Total loans - 34% growth over Q3-2005; increase of 7% on linked-quarter basis Growth in deposits Demand deposits - 11% growth over Q3-2005; decrease of 1% on linked-quarter basis Total deposits - 32% growth over Q3-2005; increase of 12% on linked-quarter basis Net interest margin at 3.80% Increase of 8 bp over Q3-2005 and decrease of 7 bp from Q2-2006 NIM constrained by loan growth and impact of growth on funding composition Credit quality Net recoveries of $445,000 in Q3-2006 Provision of $750,000 Note: Comparisons based on average balances and results of continuing operations

FINANCIAL REVIEW

Income Statement (in thousands) Q3-06 Q2-06 Q1-06 Q4-05 Q3-05 Net interest income $ 30,101 $ 29,013 $ 26,867 $ 26,321 $ 24,873 Provision for loan losses 750 2,250 - - - Net interest income after provision for loan losses 29,351 26,763 26,867 26,321 24,873 Non-interest income 5,406 4,675 4,418 3,845 3,559 Non-interest expense 22,563 21,968 20,893 18,844 17,144 Income from continuing operations before income taxes 12,194 9,470 10,392 11,322 11,288 Income tax expense 4,157 3,230 3,543 3,833 3,843 Net income from continuing operations $ 8,037 $ 6,240 $ 6,849 $ 7,489 $ 7,445 Income from discontinued operations (after-tax) (167) 101 (206) 256 139 Net income $ 7,870 $ 6,341 $ 6,643 $ 7,745 $ 7,584 Diluted EPS from continuing operations $ .30 $ .24 $ .26 $ .28 $ .28 Diluted EPS $ .30 $ .24 $ .25 $ .29 $ .28 Diluted EPS from continuing operations adjusted for FAS 123R $ .27 $ .27

Performance Evaluation Performance Drivers Net revenue growth of 5.4% from Q2-2006 Net interest income growth driven by exceptional growth in loan portfolio NIM decrease - margins continue to be constrained by: Impact of rapid loan growth on funding composition Effect of loan and lease mix Increase in rates and negative slope of yield curve Operating expense growth of 2.7% from Q2-2006, approximately half of growth in Q2 Expense growth nominal from continuing operations Expense/earning asset ratio still favorable; improvement in efficiency ratio, especially in core operations FAS 123R expense remained unchanged in Q3-2006 at $0.02 versus Q2-2006 Insurance services and leasing LOBs still in growth and development phase, but improvement experienced in Q3-2006 RML sale effective at the end of Q3-2006 and reported as discontinued operations Provision in quarter driven by loan growth and economic factors - remains consistent with previous annual guidance Note: All comparisons based on continuing operations

Key Ratios Q3-2005 Q4-2005 Q1-2006 Q2-2006 Q3-2006 Coninuing Operations 0.0372 0.0387 0.0387 0.0387 0.038 As reported 0.0397 0.0413 0.0409 0.041 0.0401 Q3-2005 Q4-2005 Q1-2006 Q2-2006 Q3-2006 Coninuing Operations 0.603 0.625 0.668 0.652 0.635 As reported 0.649 0.66 0.71 0.687 0.677 Q3-2005 Q4-2005 Q1-2006 Q2-2006 Q3-2006 Coninuing Operations 0.0103 0.0102 0.0091 0.0077 0.0094 As reported 0.0104 0.0104 0.0088 0.0078 0.0091 Continuing Operations Consolidated Q3-2005 Q4-2005 Q1-2006 Q2-2006 Q3-2006 Coninuing Operations 0.1414 0.1405 0.126 0.1121 0.1383 As reported 0.1441 0.1453 0.1222 0.1139 0.1354

Financial Summary (in thousands) Averages Averages Averages Averages Q3 2006 Q2 2006 Q2 2006 Q3 2005 Q3/Q2 % Change YOY % Change Loans held for investment $2,479,057 $2,479,057 $2,360,189 $1,884,161 5% 32% Loans held for sale 150,225 150,225 103,483 85,252 45% 76% Total loans from continuing operations 2,629,282 2,629,282 2,463,672 1,969,413 7% 34% Securities 555,751 555,751 586,548 691,994 (5)% (20)% Demand deposits 464,645 464,645 468,449 420,288 (1)% 11% Total deposits 2,822,511 2,822,511 2,528,355 2,143,436 12% 32% Total assets from continuing operations 3,386,121 3,386,121 3,240,701 2,856,938 4% 19%

Financial Summary (in thousands) Period End Period End Period End Q3 2006 Q2 2006 Q3 2005 Q3/Q2 % Change YOY % Change Loans held for investment $2,543,059 $2,417,814 $1,935,818 5% 31% Loans held for sale 151,255 133,112 84,474 14% 79% Total loans 2,694,314 2,550,926 2,020,292 6% 33% Securities 554,732 573,053 674,792 (3)% (18)% Demand deposits 467,750 532,130 457,333 (12)% 2% Total deposits 2,776,648 2,922,494 2,312,345 (5)% 20% Total assets from continuing operations 3,463,009 3,381,099 2,898,207 2% 19%

QTD Average Balances, Yields and Rates (in thousands) Q3 2006 Q3 2006 Q2 2006 Q2 2006 Q3 2005 Q3 2005 Avg. Bal. Yield / Rate Avg. Bal. Yield / Rate Avg. Bal. Yield / Rate Assets Securities $ 555,751 4.80% $ 586,548 4.76% $ 691,994 4.40% Fed funds sold & liquidity investments 3,248 4.89% 1,108 5.79% 38,427 3.52% Loans held for sale 150,225 7.25% 103,483 6.79% 85,252 6.10% Loans held for sale from discontinued operations 27,422 32.96% 33,806 29.21% 35,929 25.83% Loans held for investment 2,479,057 8.57% 2,360,189 8.32% 1,884,161 7.10% Less reserve for loan losses 19,823 - 19,129 - 18,882 - Total loans, net of reserve 2,636,881 8.82% 2,478,349 8.60% 1,986,460 7.46% Total earning assets 3,195,880 8.11% 3,066,005 7.87% 2,716,881 6.63% Total assets $3,413,543 $3,274,507 $2,892,867

QTD Average Balances, Yields and Rates (in thousands) Q3 2006 Q3 2006 Q2 2006 Q2 2006 Q3 2005 Q3 2005 Avg. Bal. Yield / Rate Avg. Bal. Yield / Rate Avg. Bal. Yield / Rate Liabilities and Stockholders' Equity Total interest bearing deposits $2,357,866 4.77% $2,059,906 4.36% $1,723,148 3.14% Other borrowings 265,772 5.01% 439,230 4.78% 504,700 3.26% Long-term debt 73,064 7.37% 64,521 7.25% 20,620 7.39% Total interest bearing liabilities 2,696,702 4.86% 2,563,657 4.50% 2,248,468 3.21% Demand deposits 464,645 468,449 420,288 Stockholders' equity 230,563 223,346 208,846 Total liabilities and stockholders' equity $3,413,543 3.84% $3,274,507 3.52% $2,892,867 2.49% Net interest margin 4.01% 4.10% 3.97% Total earning assets from continuing operations $3,168,458 $3,032,199 $2,680,952 Net interest margin from continuing operations 3.80% 3.87% 3.72%

Deposit and Loan Growth Loans HFI* Interest Bearing Deposits Demand Deposits * Excludes loans held for sale. Demand Deposit CAGR: 39% Total Deposit CAGR: 27% Loans Held for Investment CAGR: 26% 2001 2002 2003 2004 2005 Q3-2006 Loans Held for Investment 855 1003 1230 1565 2076 2543 2001 2002 2003 2004 2005 Q3-2006 Demand Deposits 136 239 302 398 512 468 Interest Bearing Deposits 750 858 1103 1392 1983 2309 2001 2002 2003 2004 2005 ($ in millions) Q3-2006 886 1,197 1,445 1,790 2,495 2,777

Revenue and Expense Growth Operating Revenue CAGR: 28% Net Interest Income CAGR: 28% Non-interest Income CAGR: 28% Non-interest Expense CAGR: 26% Net Interest Income Non-interest Income Non-interest Expense 2001 2002 2003 2004 2005 Q3-2006 Non Interest Expense 29432 35370 48430 57340 66126 87232 2001 2002 2003 2004 2005 Q3-2006 Net Interest Income 35055 42246 53155 74742 94130 114641 Non Interest Income 5983 8625 10892 13632 12555 19332 2001 2002 2003 2004 2005^ ($ in thousands) 2006*^ 41,038 50,871 64,047 88,374 106,685 133,973 * 2006 annualized through 9/30/2006. ^ 2005 and 2006 reflect continuing operations.

Credit Quality Credit quality remains strong Net recoveries of $445,000 in Q3-2006 (7 bps) NCO ratio - only 5 bps for last 12 months Total NCOs for last 2 years $1.1 million, 3 bps Provision of $750,000 in Q3-2006 Growth of portfolio Consistent with historical methodology reflecting related economic factors Reserve position remains high as multiple of historical NCOs and NPLs Non-accrual loans remain low at 25 bps

Credit Quality Reserve / Loans .82% .91% 1.20% 1.44% 1.45% Non-accrual loans + ORE to loans + ORE ..29% ..27% ..37% ..83% ..28% Reserve to non-accruals 3.2x 3.3x 3.2x 1.7x 5.2x Reserve to NPL 2.3x 2.2x 3.1x 1.7x 5.0x Net Charge-offs / Average Loans YTD Q3-2006 2005 2004 2003 2002

Closing Comments Closing comments Strong growth continues Economic outlook remains positive Confident of continued growth

Q & A

Continuing Operations Details Q1-06 as reported RML Q1-06 as adjusted Q2-06 as reported RML Q2-06 as adjusted Q3-06 as reported RML Q3-06 as adjusted Net interest income $ 28,721 $ 1,854 $ 26,867 $ 31,126 $ 2,113 $ 29,013 $ 32,073 $ 1,972 $ 30,101 Provision for loan losses - - - 2,250 - 2,250 750 - 750 Net interest income after provision for loan losses 28,721 1,854 26,867 28,876 2,113 26,763 31,323 1,972 29,351 Non-interest income 6,072 1,654 4,418 6,859 2,184 4,675 7,225 1,819 5,406 Non-interest expense 24,713 3,820 20,893 26,112 4,144 21,968 26,608 4,045 22,563 Pre-tax income from continuing operations 10,080 (312) 10,392 9,623 153 9,470 11,940 (254) 12,194 Income tax expense (benefit) 3,437 (106) 3,543 3,282 52 3,230 4,070 (87) 4,157 Net income $ 6,643 $ (206) $ 6,849 $ 6,341 $ 101 $ 6,240 $ 7,870 $ (167) $ 8,037 EPS $ .25 $ .26 $ .24 $ .24 $ .30 $ .30 Key Ratios: NIM 4.09% 3.87% 4.10% 3.87% 4.01% 3.80% ROA 0.88% 0.91% 0.78% 0.77% 0.91% 0.94% ROE 12.22% 12.60% 11.39% 11.21% 13.54% 13.83% Non-interest income / EA 0.86% 0.63% 0.90% 0.62% 0.90% 0.68% NIE / EA 3.49% 2.98% 3.42% 2.91% 3.30% 2.83% Efficiency 71.0% 66.8% 68.7% 65.2% 67.7% 63.5% Leverage 14.0 13.8 14.7 14.5 14.8 14.7

Continuing Operations Details Q1-05 as reported RML Q1-05 as adjusted Q2-05 as reported RML Q2-05 as adjusted Q3-05 as reported RML Q3-05 as adjusted Q4-05 as reported RML Q4-05 as adjusted Net interest income $ 21,668 $ 1,388 $ 20,280 $ 24,484 $ 1,828 $ 22,656 $ 26,958 $ 2,085 $ 24,873 $ 28,461 $ 2,140 $ 26,321 Provision for loan losses - - - - - - - - - - - - Net interest income after provision for loan losses 21,668 1,388 20,280 24,484 1,828 22,656 26,958 2,085 24,873 29,461 2,140 26,321 Non-interest income 4,179 1,779 2,400 4,694 1,943 2,751 5,790 2,231 3,559 5,986 2,141 3,845 Non-interest expense 17,854 3,097 14,757 19,190 3,809 15,381 21,249 4,105 17,144 22,736 3,892 18,844 Pre-tax income from continuing operations 7,993 70 7,923 9,988 (38) 10,026 11,499 211 11,288 11,711 389 11,322 Income tax expense (benefit) 2,717 24 2,693 3,401 (13) 3,414 3,915 72 3,843 3,966 133 3,833 Net income $ 5,276 $ 46 $ 5,230 $ 6,587 $ (25) $ 6,612 $ 7,584 $ 139 $ 7,445 $ 7,745 $ 256 $ 7,489 EPS $ .20 $ .20 $ .25 $ .25 $ .28 $ .28 $ .29 $ .28 Key Ratios: NIM 3.61% 3.41% 3.88% 3.63% 3.97% 3.72% 4.13% 3.87% ROA 0.82% 0.82% 0.97% 0.98% 1.04% 1.03% 1.04% 1.02% ROE 10.89% 10.79% 13.14% 13.18% 14.41% 14.14% 14.53% 14.05% Non-interest income / EA 0.69% 0.40% 0.74% 0.44% 0.85% 0.53% 0.85% 0.55% NIE / EA 2.94% 2.46% 3.01% 2.44% 3.10% 2.54% 3.28% 2.74% Efficiency 69.1% 65.1% 65.8% 60.5% 64.9% 60.3% 66.0% 62.5% Leverage 13.3 13.2 13.5 13.4 13.9 13.7 13.9 13.8

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