8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

________________________

FORM 8-K

________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the

Securities Exchange Act of 1934

________________________

Date of Report (Date of earliest event reported):

August 30, 2017

Independent Bank Group, Inc.

(Exact Name of Registrant as Specified in Charter)

________________________

Texas	001-35854	13-4219346
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

1600 Redbud Boulevard, Suite 400

McKinney, TX 75069-3257

(Address of principal executive offices) (Zip code)

Registrant’s telephone number, including area code:

(972) 562-9004

Not Applicable

(Former name or former address, if changed since last report)

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:

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

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

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

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

Indicate by checkmark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2):

Emerging growth company            ☒

If an emerging growth company, indicate by checkmark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☒

Item 7.01.    Regulation FD Disclosure.

On August 30, 2017, officers of Independent Bank Group, Inc. (the “Company”) are presenting at the Piper Jaffray Texas Bank Tour conference. A copy of the materials for such presentation is attached as Exhibit 99.1.

In accordance with the General Instruction B.2 of Form 8-K, the information in this Item 7.01 of this Current Report on Form 8-K, including Exhibit 99.1 hereto, which is furnished herewith pursuant to and relates to this Item 7.01, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise be subject to the liabilities of Section 18 of the Exchange Act. The information in this Item 7.01 of this Current Report on Form 8-K and Exhibit 99.1 hereto shall not be incorporated by reference into any filing or other document filed by the Company with the SEC pursuant to the Securities Act of 1933, as amended, the rules and regulations of the SEC thereunder, the Exchange Act, or the rules and regulations of the SEC thereunder except as shall be expressly set forth by specific reference in such filing or document.

Item 9.01.    Financial Statements and Exhibits.

(d)    Exhibits.

The following exhibit is furnished as an exhibit to this Current Report on Form 8-K:

Exhibit No.	Description of Exhibit
Exhibit 99.1	Presentation materials for the Piper Jaffray Texas Bank Tour conference, dated August 30, 2017.

SIGNATURES

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

Dated August 30, 2017

INDEPENDENT BANK GROUP, INC.

(Registrant)

By:	/s/ David R. Brooks
Name:	David R. Brooks
Title:	Chairman of the Board, Chief Executive Officer and President

EXHIBIT INDEX

Exhibit 99.1 Presentation materials for the Piper Jaffray Texas Bank Tour conference, dated August 30, 2017.

EX-99.1

Piper Jaffray Texas Bank Tour August 2017 Michelle Hickox, EVP and CFO James White, EVP and COO Exhibit 99.1

Safe Harbor Statement 1 From time to time, our comments and releases may contain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Act”). Forward-looking statements can be identified by words such as “believes,” “anticipates,” “expects,” “forecast,” “guidance,” “intends,” “targeted,” “continue,” “remain,” “should,” “may,” “plans,” “estimates,” “will,” “will continue,” “will remain,” variations on such words or phrases, or similar references to future occurrences or events in future periods; however, such words are not the exclusive means of identifying such statements. Examples of forward-looking statements include, but are not limited to: (i) projections of revenues, expenses, income or loss, earnings or loss per share, and other financial items; (ii) statements of plans, objectives, and expectations of Independent Bank Group or its management or Board of Directors; (iii) statements of future economic performance; and (iv) statements of assumptions underlying such statements. Forward-looking statements are based on Independent Bank Group’s current expectations and assumptions regarding its business, the economy, and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks, and changes in circumstances that are difficult to predict. Independent Bank Group’s actual results may differ materially from those contemplated by the forward-looking statements, which are neither statements of historical fact nor guarantees or assurances of future performance. Factors that could cause actual results to differ from those discussed in the forward-looking statements include, but are not limited to: (1) local, regional, national, and international economic conditions and the impact they may have on us and our customers and our assessment of that impact; (2) volatility and disruption in national and international financial markets; (3) government intervention in the U.S. financial system, whether through changes in the discount rate or money supply or otherwise; (4) changes in the level of non-performing assets and charge-offs; (5) changes in estimates of future reserve requirements based upon the periodic review thereof under relevant regulatory and accounting requirements; (6) adverse conditions in the securities markets that lead to impairment in the value of securities in our investment portfolio; (7) inflation, deflation, changes in market interest rates, developments in the securities market, and monetary fluctuations; (8) the timely development and acceptance of new products and services and perceived overall value of these products and services by customers; (9) changes in consumer spending, borrowings, and savings habits; (10) technological changes; (11) the ability to increase market share and control expenses; (12) changes in the competitive environment among banks, bank holding companies, and other financial service providers; (13) the effect of changes in laws and regulations (including laws and regulations concerning taxes, banking, securities, and insurance) with which we and our subsidiaries must comply; (14) the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board, and other accounting standard setters; (15) the costs and effects of legal and regulatory developments including the resolution of legal proceedings; and (16) our success at managing the risks involved in the foregoing items and (17) the other factors that are described in the Company’s Annual Report on Form 10-K filed on March 8, 2017 and Quarterly Report on Form 10-Q for June 30, 2017, which was filed on July 27, 2017, under the heading “Risk Factors”, and other reports and statements filed by the Company with the SEC. Any forward-looking statement made by the Company in this release speaks only as of the date on which it is made. Factors or events that could cause the Company’s actual results to differ may emerge from time to time, and it is not possible for the Company to predict all of them. The Company undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise, except as may be required by law.

Company Snapshot 2 Overview Branch Map as of June 30, 2017 Financial Highlights as of and for the Quarter Ended June 30, 2017 • Headquartered in McKinney, Texas • 100+ years of operating history • 83 banking offices • Dallas-Fort Worth metropolitan area • Greater Austin area • Houston metropolitan area • Colorado Front Range area • Acquired six financial institutions, adding $4.9 billion in assets, since IPO in 2013 • Eighth largest bank by deposits headquartered in Texas (1) Non-GAAP financial measure. See Appendix for reconciliation. (2) Non-GAAP financial measure. Excludes income recognized on acquired loans of $572. Balance Sheet Highlights ($ in millions) Total Assets $ 8,594 Total Loans 6,240 Total Deposits 6,669 Equity 1,260 Asset Quality Nonperforming Asset Ratio 0.30 % Nonperforming Loans to Total Loans 0.24 Net Charge-off Ratio (annualized) 0.00 Capital Ratios Tier 1 Risk Based 9.46 % Total Risk Based 11.60 Tangible Common Equity to Tangible Assets 7.60 Profitability Net Income $ 18.1 Adjusted Net Interest Margin (2) 3.78 % Adjusted Efficiency Ratio (1) 53.15 Adjusted Return on average assets 1.08 Texas Colorado

Second Quarter Key Highlights 3 • Adjusted (non-gaap) net income was $22.7 million, or $0.82 per diluted share, compared to $16.0 million, or $0.84 per diluted share, for first quarter 2017 • Total assets increased to $8.6 billion, reflecting continued organic growth and growth from the completion of the Carlile Bancshares acquisition on April 1, 2017 • Annualized organic loan growth of 11.4% for the quarter and 11.6% year to date • Positive increase in net interest margin to 3.81%, up from 3.67% for first quarter 2017 • Continued strong credit quality metrics

Second Quarter Selected Financial Data ($ in thousands except per share data) As of and for the Quarter Ended Balance Sheet Data June 30, 2017 March 31, 2017 June 30, 2016 Linked Quarter Change Annual Change Total assets $ 8,593,979 $ 6,022,614 $ 5,446,797 42.7 % 57.8 % Loans held for investment (gross, excluding warehouse lines) 6,119,305 4,702,511 4,251,457 30.1 43.9 Warehouse lines 120,217 — — 100.0 100.0 Total deposits 6,669,288 4,722,203 4,208,405 41.2 58.5 Total borrowings (excluding trust preferred securities) 584,349 568,115 578,169 2.9 1.1 Total capital 1,259,592 688,469 629,628 83.0 100.1 Earnings and Profitability Data Net interest income $ 69,500 $ 47,867 $ 45,883 45.2 % 51.5 % Net interest margin 3.81 % 3.67 % 3.96 % 3.8 % (3.8 )% Non-interest income $ 10,995 $ 4,583 $ 4,929 139.9 % 123.1 % Non-interest expense 51,328 28,028 31,023 83.1 % 65.5 % Net income 18,134 15,671 11,809 15.7 % 53.6 % Basic EPS $ 0.65 $ 0.83 $ 0.64 (21.7 )% 1.6 % Diluted EPS $ 0.65 $ 0.82 $ 0.64 (20.7 )% 1.6 % Adjusted net interest margin (2) 3.78 % 3.66 % 3.94 % 3.3 % (4.1 )% Adjusted net income (1) $ 22,746 $ 15,990 $ 13,764 42.3 % 65.3 % Adjusted basic EPS (1) $ 0.82 $ 0.85 $ 0.75 (3.5 )% 9.3 % Adjusted diluted EPS (1) $ 0.82 $ 0.84 $ 0.74 (2.4 )% 10.8 % 4 (1) See Appendix for Non-GAAP reconciliation (2) Non-GAAP financial measure. Excludes income recognized on acquired loans of $572, $123 and $265, respectively.

5 Among Strongest Economies in USA • Texas ranks #3 for Fortune 500 companies with 50 companies headquartered in Texas (2017) • Forbes list Texas #4 as best state for business and #1 in economic climate (2016) • Second fastest economic growth and third fastest job growth over past five years •Headquarters to 109 of the1,000 largest public and private companies in the United States • Population - 27.9 million, 2nd largest State • 10.8% population growth since 2010 versus 4.7% for the Nation • Projected household income growth of 9.6% through 2021 versus 7.8% for the Nation • Texas unemployment rate of 4.9% which is comparable to United States at 4.7% • Home to six top universities and six professional sports teams • All four of Texas’ major metro areas were ranked in the top 10 on Forbes’ 2016 America’s Cities of the Future list. (Forbes, January 2016) (#1) Austin (#7) Dallas (#6) Houston (#8) San Antonio Source: SNL Financial, U.S. Census Bureau, Bureau of Labor Statistics, Dallas Office of Economic Development, Dallas Chamber of Commerce, Austin Chamber of Commerce, Greater Houston Partnership, Denver.org., Choose Colorado, Select Georgia Texas Colorado • Forbes list Colorado #5 as best state for business and #2 in economic climate (2016) • Colorado is expected to have the second fastest job growth over the next five years per EMSI data. • There are 9 Fortune 500 companies headquartered in Colorado (2015) • Population - 5.5 million, 22nd largest State • 10.2% population growth since 2010 versus 4.7% for the Nation • Projected household income growth of 3.4% through 2021 versus 7.8% for the Nation • Colorado unemployment rate of 2.6% which is more favorable to United States at 4.7% • Home to six top universities and four professional sports teams • Colorado had the fifth largest net migration in the Nation (2014-2015) • Colorado consistently ranks among the top five states for business • High levels of education are a key factor in the booming growth of the area's economy and workforce. • Denver was ranked #4 in the top 10 on Forbes’ 2016 America’s Cities of the Future list. (Forbes, January 2016)

6 Market Highlights Source: SNL Financial, World Population Review (1) Based on deposit market share as of June 2016. IBTX operates in five of the top twenty The Best Places For Business And Careers (Forbes.com, 2016 Ranking) (#1) Denver (#10) Dallas (#11) Austin (#12) Colorado Springs (#18) Fort Collins Metropolitan Statistical Area IBTX Market Rank(1) # of IBTX Branches Total Population Dallas-Fort Worth-Arlington, TX 11 39 7,295,086 Houston-The Woodlands-Sugar Land, TX 24 11 6,866,117 Austin-Round Rock, TX 15 7 2,077,799 Sherman-Denison, TX 3 6 127,538 Waco, TX 11 2 267,011 Colorado Springs, CO 10 4 715,250 Greeley, CO 10 5 294,598 Denver-Aurora-Lakewood, CO 42 2 2,897,681 Fort Collins, CO 20 1 343,682 Sterling, CO 6 1 22,081 Boulder, CO 27 1 326,954 Non MSA Counties N/A 4 61,623 Total 83 21,295,420 Dallas/North Texas Region • The fourth largest MSA in the United States (2016) • 26% of total state population • Ranked 2nd in U.S. MSA population growth (2014 to 2015) • 656 locally-headquartered companies with 1,000+ employees • Ranked 4th in Fortune 500 headquarters Austin/Central Texas Region • Austin is the 11th largest city in the United States • Fastest Growing MSA among top 50 MSAs in U.S. (2016) • Headquarters to several public high tech companies Houston Region • The fifth largest MSA in the United States (2016) • 24% of total state population • Ranked 1st in U.S. MSA population growth (2014 to 2015) • Ranked 3rd in Fortune 500 headquarters Denver • 21st most populous city in the United States • Annual population growth of 1.9% per year since 2010 Colorado Spring • Ranked 4th in U.S. MSA population growth (2015) • The largest Military base in Colorado is located here Greeley • Annual population growth of 2.1% per year since 2010 Fort Collins • The 4th largest city in Colorado • Ranked 12th in U.S. MSA population growth (2014 to 2015)

IBTX Demonstrated Growth 7 Total Assets (1) See Appendix for non-GAAP Reconciliation Interest Income, Net Interest Income and NIM Earnings Per Share and Adjusted Earnings Per Share Trends (diluted)

Select Metrics 8 Adjusted Pre-Tax Pre-Provision Earnings Income (1) ($ in thousands) Note: Dollars in thousands. (1) (1) See Appendix for non-GAAP Reconciliation. Adjusted Efficiency Ratio (1)

Deposit Mix and Pricing (1) (1) Average rate for total deposits 2017 YTD Average Rate for Interest-bearing deposits: 0.58% 9

Loan Portfolio Composition Loan Composition at 06/30/2017 CRE Loan Composition at 06/30/2017 Loans by Region at 06/30/2017 10

Commercial Real Estate (CRE) 11 CRE Concentrations at 06/30/2017 Retail CRE Breakdown at 06/30/2017 • 559 Retail Loans • Only 30 Loans > $5MM

Energy Lending (in millions) 12

Historically Strong Credit Culture 13 NPLs / Loans Note: Financial data as of and for quarter ended March 31, 2017 for peer data and June 30, 2017 for IBTX. Interim chargeoff data annualized. . Source: U.S. and Texas Commercial Bank numbers from SNL Financial. NCOs / Average Loans

Total Capital, Tier 1 and TCE/TA Ratios (1) Capital (1) See Appendix for non-GAAP Reconciliation 14

Experienced Management Team 15 Name / Title Background David R. Brooks Chairman of the Board, CEO & President, Director · 38 years in the financial services industry; 30 years at Independent Bank · Active in community banking since the early 1980s - led the investor group that acquired Independent Bank in 1988 Daniel W. Brooks Vice Chairman, Chief Risk Officer, Director · 34 years in the financial services industry; 28 years at Independent Bank · Active in community banking since the late 1980s Brian E. Hobart Vice Chairman, Chief Lending Officer · 24 years in the financial services industry; 13 years at Independent Bank · Since 2009 has functioned as Chief Lending Officer of the Company Michelle S. Hickox EVP, Chief Financial Officer · 27 years in the financial services industry; 5 years at Independent Bank · Previously a Financial Services Audit Partner at RSM US LLP James C. White EVP, Chief Operations Officer · Over 30 years in the financial services industry · Previously served as EVP/COO of Texas Capital Bank

Appendix 16

For the Quarters Ended ($ in thousands except per share data) June 30, 2017 March 31, 2017 December 31, 2016 September 30, 2016 June 30, 2016 Net Interest Income - Reported (a) 69,500 47,867 46,526 45,737 45,883 Income recognized on acquired loans (572 ) (123 ) (51 ) (116 ) (265 ) Adjusted Net Interest Income (b) 68,928 47,744 46,475 45,621 45,618 Provision Expense - Reported (c) 2,472 2,023 2,197 2,123 2,123 Noninterest Income - Reported (d) 10,995 4,583 5,224 4,932 4,929 Gain on sale of loans (13 ) — — — — Loss on sale of branch — — — 43 — (Gain) loss on sale of premises and equipment 26 — — (4 ) (10 ) Gain on sale of securities (52 ) — — — (4 ) Loss / (Gain) on sale of PP&E (1 ) (5 ) — 9 (3 ) Recoveries on charged off loans acquired (123 ) — — — — Adjusted Noninterest Income (e) 10,832 4,578 5,224 4,980 4,912 Noninterest Expense - Reported (f) 51,328 28,028 27,361 26,887 31,023 Senior leadership restructuring — — — — (2,575 ) OREO impairment (120 ) — — (51 ) — IPO related stock grant and bonus expense (127 ) (125 ) (127 ) (104 ) (156 ) Acquisition expense (7,278 ) (459 ) (1,075 ) (384 ) (475 ) Adjusted Noninterest Expense (g) 43,803 27,444 26,159 26,348 27,817 Adjusted Pre-Tax Pre-Provision Earnings (b) + (e) - (g) $ 35,957 $ 24,878 $ 25,540 $ 24,253 $ 22,713 Adjusted Net Income (1) (b) - (c) + (e) - (g) = (h) 22,746 15,990 15,541 14,819 13,764 Average shares for basic EPS (i) 27,782,584 18,908,679 18,613,975 18,478,289 18,469,182 Average shares for diluted EPS (j) 27,887,485 19,015,810 18,716,614 18,568,622 18,547,074 Adjusted Basic EPS (h) / (i) $ 0.82 $ 0.85 $ 0.83 $ 0.80 $ 0.75 Adjusted Diluted EPS (h) / (j) $ 0.82 $ 0.84 $ 0.83 $ 0.80 $ 0.74 EFFICIENCY RATIO Amortization of core deposit intangibles (k) $ 1,410 $ 492 $ 492 $ 492 $ 492 Reported Efficiency Ratio (f - k) / (a + d) 62.01 % 52.50 % 51.92 % 52.09 % 60.09 % Adjusted Efficiency Ratio (g - k) / (b + e) 53.15 % 51.51 % 49.65 % 51.10 % 54.08 % Supplemental Information - Non-GAAP Financial Measures (unaudited) Reconciliation of Adjusted Net Income, Adjusted Efficiency Ratio and Adjusted EPS--Quarterly Periods (1) Assumes actual effective tax rate of 32.1%, 30.0%, 33.4%, 33.0% and 33.2%, for the quarters ended June 30, 2017, March 31, 2017, December 31, 2016, September 30, 2016 and June 30, 2016, respectively. 17

Reconciliation of Adjusted Net Income, Adjusted Efficiency Ratio and Adjusted EPS--Annual Periods (1) Assumes actual effective tax rate of 32.8%, 32.8%, 32.6% and 33.2% for the years ended December 31, 2013, 2014, 2015 and 2016, respectively. 18 Supplemental Information - Non-GAAP Financial Measures (unaudited) For the Year Ended December 31, ($ in thousands except per share data) 2013 2014 2015 2016 Net Interest Income - Reported (a) 74,933 124,145 154,098 183,806 Write-off of debt origination warrants 223 — — — Income recognized on acquired loans (1,399 ) (1,960 ) (1,272 ) (1,765 ) Adjusted Net Interest Income (b) 73,757 122,185 152,826 182,041 Provision Expense - Reported (c) 3,822 5,359 9,231 9,440 Noninterest Income - Reported (d) 11,021 13,624 16,128 19,555 Gain on sale of loans — (1,078 ) (116 ) — Loss on sale of branch — — — 43 Gain on Sale of OREO/repossessed assets (1,507 ) (71 ) (290 ) (62 ) Gain on sale of securities — (362 ) (134 ) (4 ) Loss (gain) on Sale of premises and equipment 18 22 358 (32 ) Adjusted Noninterest Income (e) 9,532 12,135 15,946 19,500 Noninterest Expense - Reported (f) 57,671 88,512 103,198 113,790 Senior leadership restructuring — — — (2,575 ) Adriatica expenses (806 ) (23 ) — — OREO Impairment (642 ) (22 ) (35 ) (106 ) FDIC refund 504 — — — IPO related stock grant and bonus expense (948 ) (630 ) (624 ) (543 ) Registration statements — (619 ) — — Core system conversion — (265 ) — — Acquisition Expense (1,956 ) (9,237 ) (3,954 ) (3,121 ) Adjusted Noninterest Expense (g) 53,823 77,716 98,585 107,445 Adjusted Pre-Tax Pre-Provision Earnings (b) + (e) - (g) 29,466 56,604 70,187 94,096 Adjusted Net Income (1) (b) - (c) + (e) - (g) = (h) 17,232 34,427 41,056 56,563 Average shares for basic EPS (i) 11,143,726 15,458,666 17,321,513 18,501,663 Average shares for diluted EPS (j) 11,212,194 15,557,120 17,406,108 18,588,309 Adjusted Basic EPS (h) / (i) $ 1.55 $ 2.23 $ 2.37 $ 3.06 Adjusted Diluted EPS (h) / (j) $ 1.54 $ 2.21 $ 2.36 $ 3.04 EFFICIENCY RATIO Amortization of core deposit intangibles (k) $ 703 $ 1,281 $ 1,555 $ 1,964 Reported Efficiency Ratio (f - k) / (a + d) 66.28 % 63.32 % 59.71 % 54.99 % Adjusted Efficiency Ratio (g - k) / (b + e) 63.78 % 56.91 % 57.49 % 52.34 %

Supplemental Information - Non-GAAP Financial Measures (unaudited) Reconciliation of Tangible Common Equity to Tangible Assets APPENDIX 19 Tangible Common Equity To Tangible Assets 6/30/17 3/31/17 12/31/16 12/31/2015 12/31/14 12/31/13 ($ in thousands) Tangible Common Equity Total common stockholders' equity $ 1,259,592 $ 688,469 $ 672,365 $ 603,371 $ 516,913 $ 233,772 Adjustments: Goodwill (607,263 ) (258,319 ) (258,319 ) (258,643 ) (229,457 ) (34,704 ) Core deposit intangibles, net (48,992 ) (13,685 ) (14,177 ) (16,357 ) (12,455 ) (3,148 ) Tangible Common Equity $ 603,337 $ 416,465 $ 399,869 $ 328,371 $ 275,001 $ 195,920 Tangible Assets Total Assets $ 8,593,979 $ 6,022,614 $ 5,852,801 $ 5,055,000 $ 4,132,639 $ 2,163,984 Adjustments: Goodwill (607,263 ) (258,319 ) (258,319 ) (258,643 ) (229,457 ) (34,704 ) Core deposit intangibles (48,992 ) (13,685 ) (14,177 ) (16,357 ) (12,455 ) (3,148 ) Tangible Assets $ 7,937,724 $ 5,750,610 $ 5,580,305 $ 4,780,000 $ 3,890,727 $ 2,126,132 Tangible Common Equity To Tangible Assets 7.60 % 7.24 % 7.17 % 6.87 % 7.07 % 9.21 %

Contact Information 20 Corporate Headquarters Analysts/Investors: Independent Bank Group, Inc. Michelle Hickox 1600 Redbud Blvd Executive Vice President and Chief Financial Officer Suite 400 (972) 562-9004 McKinney, TX 75069 mhickox@ibtx.com Media: 972-562-9004 Telephone Peggy Smolen 972-562-7734 Fax Marketing & Communications Director www.ibtx.com (972) 562-9004 psmolen@ibtx.com