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Sep 30, 2021

Texas Capital Bancshares Q3 2021 Earnings Report

Operating results announced for Q3 2021, with a focus on transformative vision and improved balance sheet.

Key Takeaways

Texas Capital Bancshares reported a net income of $43.4 million for Q3 2021, a decrease compared to both the previous quarter and the same quarter last year. The company is focusing on a transformative vision aimed at achieving higher quality, more sustainable earnings.

Net income was $43.4 million, or $0.76 per diluted share, down from both Q2 2021 and Q3 2020.

Provision for credit losses was $5.0 million, compared to a negative provision of $19.0 million in Q2 2021 and a provision of $30.0 million in Q3 2020.

A $12.0 million write-off of certain software assets was recorded to reposition capitalized technology investment.

Loans held for investment (excluding mortgage finance loans) increased slightly on a linked quarter basis but decreased compared to Q3 2020.

Total Revenue
$215M
Previous year: $268M
-19.6%
EPS
$0.94
Previous year: $1.08
-13.0%
Return on Avg. Assets
0.47%
Previous year: 0.59%
-20.3%
Efficiency Ratio
71.1%
Previous year: 61.9%
+14.9%
Common Equity Tier 1
10.7%
Previous year: 9.1%
+17.6%
Cash and Equivalents
$8.54B
Previous year: $10.6B
-19.8%
Free Cash Flow
$107M
Previous year: -$83.3M
-227.9%
Total Assets
$36.4B
Previous year: $38.4B
-5.3%

Texas Capital Bancshares

Texas Capital Bancshares

Texas Capital Bancshares Revenue by Segment

Forward Guidance

This document does not contain forward guidance.