2014 Outlook 1 Business Driver 2014 Outlook v. 2013 Results Changes Since 10/22/2014 Average LHI Low 20’s percent growth, pace declining - Average LHI – Mortgage Finance Low 20s percent growth, with some decrease in Q4-2014 Increased from low/mid teens Average Deposits Upper 20’s percent growth - Liquidity Assets Growth with 5-8 bps impact on NIM; impact increasing with minimal impact on net interest income - Net Interest Income Low double-digit percent growth - Net Interest Margin Small decrease from previous outlook, now 3.75% to 3.85% - Net Charge-Offs Less than 0.15%, and continued strong credit quality - NIE High single-digit to low double-digit percent growth - Efficiency Ratio Less than 55%, slight reduction from 2013 - Exhibit 99.1 |
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8-K/A Filing
Texas Capital Bancshares (TCBI) 8-K/ALow 20’s percent growth, pace
Filed: 12 Nov 14, 12:00am