Texas Capital Bancshares (TCBI) 8-K Texas Capital Bancshares Announces Operating Results for Q2 2006

Exhibit 99.1

For immediate release

July 19, 2006

MEDIA CONTACT
Patty Sullivan, 214.932.6850
patty.sullivan@texascapitalbank.com

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

TEXAS CAPITAL BANCSHARES ANNOUNCES OPERATING RESULTS FOR Q2 2006

DALLAS — July 19, 2006 — Texas Capital Bancshares, Inc. (NASDAQ: TCBI), the parent company of Texas Capital Bank, announced earnings for the second quarter of 2006.

• Net income decreased 4%

• EPS decreased 4%

• Net income and EPS %’s remained unchanged versus Q2-2005 as adjusted for FAS 123R

• Loans held for investment grew 34%

• Total loans grew 34%

• Demand deposits grew 12%

• Total deposits grew 48%

“We are pleased by the strong growth in both loans and deposits in the quarter,” said Jody Grant, Chairman and CEO. “We are increasing market share with credit quality remaining our highest priority. The provision we incurred resulted primarily from exceptional loan growth from the beginning of 2006 and two specific credits. We have seen that certain newer and developing lines of business are performing under expectation, and accordingly, we believe lowering our guidance for 2006 net income to $29 million to $31 million is appropriate. We remain confident in our middle market business model and believe the fundamentals are in place for the long-term success of Texas Capital.”

FINANCIAL SUMMARY
(dollars and shares in thousands)

	Q2 2006			Q2 2005			% Change
OPERATING RESULTS
Net Income	$	6,341		$	6,587			(4	)%
Diluted EPS	$	.24		$	.25			(4	)%
ROA		.78	%		.97	%
ROE		11.39	%		13.14	%
Diluted Shares		26,525			26,543
BALANCE SHEET
Total Assets	$	3,412,480		$	2,818,039			21	%
Demand Deposits		532,130			475,516			12	%
Total Deposits		2,922,494			1,971,005			48	%
Loans Held for Investment		2,417,814			1,805,630			34	%
Total Loans		2,582,307			1,926,338			34	%
Stockholders’ Equity		224,693			205,880			9	%

DETAILED FINANCIALS
Texas Capital Bancshares, Inc. reported net income of $6.3 million for the second quarter of 2006 compared to $6.6 million for the second quarter of 2005. On a fully diluted basis, earnings per share were $.24 for the three months ended June 30, 2006, compared to $.25 for the same quarter last year, representing a decrease of 4 percent. On a fully diluted basis, assuming FAS 123R had been adopted at June 30, 2005, the earnings per share in the second quarter of 2006 would have been unchanged from the $.24 for second quarter of 2005. FAS 123R expense for the second quarter of 2006 is approximately $695,000, representing $.02 on a fully diluted basis.

Return on average equity was 11.39 percent and return on average assets was .78 percent for the second quarter of 2006 compared to 13.14 percent and .97 percent, respectively, for the second quarter of 2005. The primary reason for the decline in return on equity and return on assets was related to the $2.25 million of loan loss provision in the second quarter of 2006.

Net interest income was $31.1 million for the second quarter of 2006, compared to $24.5 million for the second quarter of 2005. The increase was due to an increase in average earning assets of $507.5 million over levels reported in the second quarter of 2005 and an improvement in the net interest margin. The increase in average earning assets included a $604.9 million increase in average loans held for investment and an increase of $52.8 million in average loans held for sale, offset by a decrease of $147.2 million in average securities. The net interest margin in the second quarter of 2006 was 4.10 percent, a 22 basis point increase from the second quarter of 2005 and a 1 basis point increase from the first quarter of 2006. The improvement in the net interest margin for the second quarter of 2006 as compared to the second quarter of 2005 resulted primarily from a 169 basis point increase in the yield on earning assets while interest expense as a percentage of earning assets increased by only 146 basis points.

Average interest bearing liabilities increased $449.0 million from the second quarter of 2005, which included a $511.7 million increase in interest bearing deposits offset by a $106.7 million decrease in other borrowings. For the same periods, the average balance of demand deposits increased to $468.4 million from $397.3 million.

Key measures of credit quality remained favorable and consistent with previous guidance for 2006 operating results. In the second quarter of 2006, net charge-offs were $1.5 million, compared to net recoveries of $59,000, in the second quarter of 2005 and net recoveries of $12,000 in the first quarter of 2006. For the most recent 12-month period, the net charge-off ratio was .07 percent. Non-accrual loans were $5.1 million, or .21 percent of loans, at the end of the second quarter of 2006, compared to $5.7 million, or .32 percent of loans, at the end of second quarter of 2005. Loans 90 days past due and still accruing were $2.7 million at the end of the second quarter of 2006 and included $2.5 million in premium finance loans, compared to $0 at the end of the second 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. Due to the combined effects of loan growth and the increase in loan charge-offs as compared to prior quarters, the Company recorded a $2.25 million provision for loan losses in the second 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 second quarter of 2006 increased $2.2 million, or 46 percent, to $6.9 million from $4.7 million in the second quarter of 2005. The increase is primarily related to a $584,000 increase in insurance commission income from $172,000 to $756,000 due to increased focus on the insurance business. Rental income on leased

2

equipment increased $814,000 related to expansion of our operating lease portfolio. Additionally, trust fee income increased $251,000 due to continued growth of trust assets, and gain on sale of loans increased $239,000.

Non-interest expense for the second quarter of 2006 increased $6.9 million, or 36 percent, to $26.1 million from $19.2 million in the second quarter of 2005. The increase is primarily related to a $4.4 million increase in salaries and employee benefits to $16.3 million from $11.9 million. The increase in salaries and employee benefits resulted from increases in commissions and incentives for both residential lending and insurance lines of business, the total number of employees related to the addition of the premium finance business and general business growth. Occupancy expense increased $1.3 million from $1.9 million to $3.2 million in the second quarter of 2006 relating to our general business growth, continued growth in the residential mortgage lending division, and depreciation related to expansion of our operating lease portfolio.

On April 28, 2006, Texas Capital Bancshares, Inc. issued $25.8 million of trust preferred, which matures in 2036. The proceeds were used to augment capital for support of future growth.

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.

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TEXAS CAPITAL BANCSHARES, INC.

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

	2nd Quarter			1st Quarter			4th Quarter			3rd Quarter			2nd Quarter
	2006			2006			2005			2005			2005
CONSOLIDATED STATEMENT OF OPERATIONS
Interest income	$	59,896		$	52,807		$	49,195		$	45,146		$	39,167
Interest expense		28,770			24,086			20,734			18,188			14,683
Net interest income		31,126			28,721			28,461			26,958			24,484
Provision for loan losses		2,250			—			—			—			—
Net interest income after provision for loan losses		28,876			28,721			28,461			26,958			24,484
Non-interest income		6,859			6,072			5,986			5,790			4,694
Non-interest expense		26,112			24,713			22,736			21,249			19,190
Income before income taxes		9,623			10,080			11,711			11,499			9,988
Income tax expense		3,282			3,437			3,966			3,915			3,401
Net income	$	6,341		$	6,643		$	7,745		$	7,584		$	6,587
Diluted EPS	$	.24		$	.25		$	.29		$	.28		$	.25
Diluted shares		26,524,552			26,567,893			26,736,858			26,676,335			26,543,191
CONSOLIDATED BALANCE SHEET DATA
Total assets	$	3,412,480		$	3,192,932		$	3,042,225		$	2,932,662		$	2,818,039
Loans held for investment		2,417,814			2,263,007			2,075,961			1,935,818			1,805,630
Loans held for sale		164,493			130,285			111,178			118,929			120,708
Securities		573,053			604,987			630,482			674,792			725,554
Demand deposits		532,130			481,410			512,294			457,333			475,516
Total deposits		2,922,494			2,463,719			2,495,179			2,312,345			1,971,005
Other borrowings		173,730			441,991			265,721			366,501			610,254
Long-term debt		72,168			46,394			46,394			20,620			20,620
Stockholders’ equity		224,693			221,766			215,523			212,318			205,880
End of period shares		25,940,874			25,854,651			25,771,718			25,672,369			25,616,829
Book value (excluding securities gains/losses)	$	9.20		$	8.94		$	8.68		$	8.36		$	8.06
SELECTED FINANCIAL RATIOS
Net interest margin		4.10	%		4.09	%		4.13	%		3.97	%		3.88	%
Return on average assets		.78	%		.88	%		1.04	%		1.04	%		.97	%
Return on average equity		11.39	%		12.22	%		14.53	%		14.41	%		13.14	%
Non-interest expense to earning assets		3.42	%		3.49	%		3.28	%		3.10	%		3.01	%
Efficiency ratio		68.7	%		71.0	%		66.0	%		64.9	%		65.8	%
Tier 1 capital ratio		10.1	%		9.6	%		10.1	%		9.5	%		9.9	%
Total capital ratio		10.7	%		10.3	%		10.8	%		10.3	%		10.7	%
Tier 1 leverage ratio		9.1	%		8.6	%		8.7	%		7.8	%		8.1	%
ASSET QUALITY SUMMARY
Net charge-offs (recoveries)	$	1,513		$	(12	)	$	11		$	(134	)	$	(59	)
Net charge-offs (recoveries) to average loans(1)		.26	%		(.00	)%		.00	%		(.03	)%		(.01	)%
Net charge-offs (recoveries) to average loans for last twelve months(1)		.07	%		(.01	)%		(.01	)%		.00	%		.01	%
Non-accrual loans	$	5,063		$	6,032		$	5,657		$	1,353		$	5,718
Loans past due (90 days)	$	2,746		$	2,824		$	2,795		$	941		$	—
Non-accrual loans to loans(1)		.21	%		.27	%		.27	%		.07	%		.32	%
Loans past due 90 days to loans(1)		.11	%		.12	%		.13	%		.05	%		.00	%
Non-performing loans to loans(1)		.32	%		.39	%		.41	%		.12	%		.32	%
Reserve to loans(1)		.81	%		.84	%		.91	%		.98	%		1.04	%

(1) Excludes loans held for sale.

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TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED BALANCE SHEETS (UNAUDITED)
(Dollars in thousands)

	June 30,			June 30,			%
	2006			2005			Change
Assets
Cash and due from banks	$	163,737		$	107,982			52	%
Federal funds sold		—			5,000			(100	)%
Securities, available-for-sale		573,053			725,554			(21	)%
Loans held for sale		164,493			120,708			36	%
Loans held for investment (net of unearned income)		2,417,814			1,805,630			34	%
Less: Allowance for loan losses		19,646			18,774			5	%
Loans held for investment, net		2,398,168			1,786,856			34	%
Premises and equipment, net		26,031			5,398			382	%
Accrued interest receivable and other assets		74,590			60,124			24	%
Goodwill and intangibles, net		12,408			6,417			93	%
Total assets	$	3,412,480		$	2,818,039			21	%
Liabilities and Stockholders’ Equity
Liabilities:
Deposits:
Non-interest bearing	$	532,130		$	475,516			12	%
Interest bearing		1,592,239			1,208,972			32	%
Interest bearing in foreign branches		798,125			286,517			179	%
Total deposits		2,922,494			1,971,005			48	%
Accrued interest payable		5,880			3,410			72	%
Other liabilities		13,515			6,870			97	%
Federal funds purchased		100,060			129,262			(23	)%
Repurchase agreements		70,557			354,159			(80	)%
Other borrowings		3,113			126,833			(98	)%
Long-term debt		72,168			20,620			250	%
Total liabilities		3,187,787			2,612,159			22	%
Stockholders’ equity:
Common stock, $.01 par value:
Authorized shares — 100,000,000
Issued shares — 25,940,874 and 25,616,829 at June 30, 2006 and 2005, respectively		259			256
Additional paid-in capital		178,204			174,183
Retained earnings		60,223			31,910
Treasury stock (shares at cost: 84,274 at June 30, 2006 and 2005, respectively)		(573	)		(573	)
Deferred compensation		573			573
Accumulated other comprehensive income (loss)		(13,993	)		(469	)
Total stockholders’ equity		224,693			205,880			9	%
Total liabilities and stockholders’ equity	$	3,412,480		$	2,818,039			21	%

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CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)

(In thousands except per share data)

	Three Months Ended June 30				Six Months Ended June 30
	2006		2005		2006		2005
Interest income
Interest and fees on loans	$	53,154	$	31,255	$	99,095	$	56,947
Securities		6,726		7,887		13,557		16,183
Federal funds sold		3		14		27		94
Deposits in other banks		13		11		24		130
Total interest income		59,896		39,167		112,703		73,354
Interest expense
Deposits		22,369		10,446		41,676		19,379
Federal funds purchased		2,782		1,374		4,977		2,235
Repurchase agreements		1,562		2,151		2,764		4,545
Other borrowings		890		354		1,444		358
Long-term debt		1,167		358		1,995		685
Total interest expense		28,770		14,683		52,856		27,202
Net interest income		31,126		24,484		59,847		46,152
Provision for loan losses		2,250		—		2,250		—
Net interest income after provision for loan losses		28,876		24,484		57,597		46,152
Non-interest income
Service charges on deposit accounts		805		793		1,661		1,574
Trust fee income		866		615		1,709		1,201
Bank owned life insurance (BOLI) income		292		291		578		579
Brokered loan fees		483		399		852		618
Gain on sale of mortgage loans		2,150		1,911		3,773		3,676
Insurance commissions		756		172		1,479		285
Equipment rental income		815		1		1,328		15
Other		692		512		1,551		925
Total non-interest income		6,859		4,694		12,931		8,873
Non-interest expense
Salaries and employee benefits		16,333		11,858		31,785		23,387
Net occupancy and equipment expense		3,150		1,875		5,902		3,558
Marketing		990		922		1,798		1,621
Legal and professional		1,365		1,097		2,833		2,194
Communications and data processing		756		914		1,455		1,569
Franchise taxes		104		45		165		90
Other		3,414		2,479		6,887		4,625
Total non-interest expense		26,112		19,190		50,825		37,044
Income before income taxes		9,623		9,988		19,703		17,981
Income tax expense		3,282		3,401		6,719		6,118
Net income	$	6,341	$	6,587	$	12,984	$	11,863
Earnings per share:
Basic	$	.24	$	.26	$	.50	$	.46
Diluted	$	.24	$	.25	$	.49	$	.45

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TEXAS CAPITAL BANCSHARES, INC.

SUMMARY OF LOAN LOSS EXPERIENCE
(Dollars in thousands)

	2nd Quarter			1st Quarter			4th Quarter			3rd Quarter			2nd Quarter
	2006			2006			2005			2005			2005
Beginning balance	$	18,909		$	18,897		$	18,908		$	18,774		$	18,715
Loans charged-off:
Commercial		1,618			—			60			14			70
Real estate		—			—			—			—			28
Consumer		—			3			8			32			52
Leases		30			10			6			—			2
Total		1,648			13			74			46			152
Recoveries:
Commercial		5			4			3			115			171
Consumer		—			1			—			—			—
Leases		130			20			60			65			40
Total recoveries		135			25			63			180			211
Net charge-offs (recoveries)		1,513			(12	)		11			(134	)		(59	)
Provision for loan losses		2,250			—			—			—			—
Ending balance	$	19,646		$	18,909		$	18,897		$	18,908		$	18,774
Reserve to loans held for investment(2)		.81	%		.84	%		.91	%		.98	%		1.04	%
Reserve to average loans held for investment(2)		.83	%		.87	%		.94	%		1.00	%		1.07	%
Net charge-offs (recoveries) to average loans(1) (2)		.26	%		(.00	)%		.00	%		(.03	)%		(.01	)%
Provision for loan losses to average loans(1) (2)		.38	%		—			—			—			—
Recoveries to gross charge-offs		8.19	%		192.31	%		85.14	%		391.3	%		138.8	%
Reserve as a multiple of net charge-offs		13.0x			N/M			1,717.9x			N/M			N/M
Non-performing loans:
Loans past due (90 days)(3)	$	2,746		$	2,824		$	2,795		$	941		$	—
Non-accrual		5,063			6,032			5,657			1,353			5,718
Total	$	7,809		$	8,856		$	8,452		$	2,294		$	5,718
Reserve as a percent of non-performing loans		2.5x			2.1x			2.2x			8.2x			3.3x
Reserve as a percent of non-accrual loans		3.9x			3.1x			3.3x			14.0x			3.3x

(1) Interim period ratios are annualized.

(2) Excludes loans held for sale.

(3) At June 30, 2006, loans past due 90 days and still accruing includes premium finance loans of $2.5 million (92% 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.

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TEXAS CAPITAL BANCSHARES, INC.

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

	2nd Quarter		1st Quarter			4th Quarter		3rd Quarter		2nd Quarter
	2006		2006			2005		2005		2005
Interest income
Interest and fees on loans	$	53,154	$	45,941		$	41,915	$	37,363	$	31,255
Securities		6,726		6,831			7,087		7,442		7,887
Federal funds sold		3		24			183		334		14
Deposits in other banks		13		11			10		7		11
Total interest income		59,896		52,807	��		49,195		45,146		39,167
Interest expense
Deposits		22,369		19,307			16,991		13,658		10,446
Federal funds purchased		2,782		2,195			1,159		989		1,374
Repurchase agreements		1,562		1,202			1,727		2,706		2,151
Other borrowings		890		554			68		451		354
Long-term debt		1,167		828			789		384		358
Total interest expense		28,770		24,086			20,734		18,188		14,683
Net interest income		31,126		28,721			28,461		26,958		24,484
Provision for loan losses		2,250		—			—		—		—
Net interest income after provision for loan losses		28,876		28,721			28,461		26,958		24,484
Non-interest income
Service charges on deposit accounts		805		856			833		816		793
Trust fee income		866		843			760		778		615
Bank owned life insurance (BOLI) income		292		286			290		267		291
Brokered loan fees		483		369			178		962		400
Gain on sale of mortgage loans		2,150		1,623			2,118		2,198		1,911
Insurance commissions		756		723			648		114		172
Equipment rental income		815		513			178		43		1
Other		692		859			981		612		511
Total non-interest income		6,859		6,072			5,986		5,790		4,694
Non-interest expense
Salaries and employee benefits		16,333		15,452			13,874		13,465		11,858
Net occupancy and equipment expense		3,150		2,752			2,025		1,937		1,875
Marketing		990		808			894		821		922
Legal and professional		1,365		1,468			1,783		1,183		1,103
Communications and data processing		756		699			673		658		914
Franchise taxes		104		61			134		49		45
Other		3,414		3,473			3,353		3,136		2,473
Total non-interest expense		26,112		24,713			22,736		21,249		19,190
Income before income taxes		9,623		10,080			11,711		11,499		9,988
Income tax expense		3,282		3,437			3,966		3,915		3,401
Net income	$	6,341	$	6,643		$	7,745	$	7,584	$	6,587

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

	2nd Quarter 2006							1st Quarter 2006							4th Quarter 2005							3rd Quarter 2005							2nd 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		Rate			Balance		Expense		Rate			Balance		Expense		Rate
Assets
Securities — Taxable	$	537,934	$	6,291		4.69	%	$	567,653	$	6,396		4.57	%	$	598,280	$	6,653		4.41	%	$	643,319	$	7,007		4.32	%	$	685,058	$	7,451		4.36	%
Securities — Non-taxable(2)		48,614		669		5.52	%		48,635		669		5.58	%		48,655		668		5.45	%		48,675		669		5.45	%		48,694		671		5.53	%
Federal funds sold		200		3		6.02	%		2,233		24		4.36	%		18,553		183		3.91	%		37,532		334		3.53	%		1,980		14		2.84	%
Deposits in other banks		908		13		5.74	%		1,079		11		4.13	%		980		10		4.05	%		895		7		3.10	%		1,736		11		2.54	%
Loans held for sale(3)		137,289		4,214		12.31	%		102,030		3,295		13.10	%		99,882		3,521		13.99	%		121,181		3,650		11.95	%		84,497		2,897		13.75	%
Loans held for investment		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	%		1,755,311		28,358		6.48	%
Less reserve for loan losses		19,129		—		—			18,898		—		—			18,924		—		—			18,882		—		—			18,753		—		—
Loans, net of reserve		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	%		1,821,055		31,255		6.88	%
Total earning assets		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	%		2,558,523		39,402		6.18	%
Cash and other assets		208,502							205,999							188,998							175,986							162,835
Total assets	$	3,274,507						$	3,077,141						$	2,942,556						$	2,892,867						$	2,721,358
Liabilities and Stockholders’ Equity
Transaction deposits	$	112,046	$	310		1.11	%	$	117,685	$	312		1.08	%	$	108,245	$	282		1.03	%	$	107,398	$	271		1.00	%	$	111,029	$	272		0.98	%
Savings deposits		701,007		7,257		4.15	%		671,102		6,195		3.74	%		691,575		5,800		3.33	%		628,019		4,442		2.81	%		654,519		3,906		2.39	%
Time deposits		684,630		7,784		4.56	%		635,250		6,664		4.25	%		564,405		5,561		3.91	%		614,433		5,548		3.58	%		482,249		3,958		3.29	%
Deposits in foreign branches		562,223		7,018		5.01	%		541,084		6,136		4.60	%		518,316		5,348		4.09	%		373,298		3,397		3.61	%		300,394		2,310		3.08	%
Total interest bearing deposits		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	%		1,548,191		10,446		2.71	%
Other borrowings		439,230		5,234		4.78	%		380,832		3,951		4.21	%		325,350		2,954		3.60	%		504,700		4,146		3.26	%		545,896		3,879		2.85	%
Long-term debt		64,521		1,167		7.25	%		46,394		828		7.24	%		44,722		789		7.00	%		20,620		384		7.39	%		20,620		358		6.96	%
Total interest bearing liabilities		2,563,657		28,770		4.50	%		2,392,347		24,086		4.08	%		2,252,613		20,734		3.65	%		2,248,468		18,188		3.21	%		2,114,707		14,683		2.78	%
Demand deposits		468,449							445,012							458,743							420,288							397,266
Other liabilities		19,055							19,309							19,702							15,265							8,370
Stockholders’ equity		223,346							220,473							211,498							208,846							201,015
Total liabilities and stockholders’ equity	$	3,274,507						$	3,077,141						$	2,942,556						$	2,892,867						$	2,721,358
Net interest income			$	31,360						$	28,955						$	28,695						$	27,192						$	24,719
Net interest margin						4.10	%						4.09	%						4.13	%						3.97	%						3.88	%

(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.