Exhibit 99.1

MEDIA CONTACT

Heather Worley, 214.932.6827

heather.worley@texascapitalbank.com

INVESTOR CONTACT

Myrna Vance, 214.932.6646

myrna.vance@texascapitalbank.com

TEXAS CAPITAL BANCSHARES ANNOUNCES OPERATING RESULTS FOR Q3 2012

DALLAS – October 24, 2012 – Texas Capital Bancshares, Inc. (NASDAQ: TCBI), the parent company of Texas Capital Bank, announced earnings and operating results for the third quarter of 2012.

• Net income increased 10% on a linked quarter basis and increased 50% from Q3 2011

• EPS increased 5% on a linked quarter basis and increased 43% for the third quarter of 2012 as compared to the same quarter of 2011

• Demand deposits increased 5% and total deposits increased 1% on a linked quarter basis and grew 27% and 22%, respectively, from Q3 2011

• Loans held for investment increased 5% and total loans increased 8% on a linked quarter basis; and grew 24% and 30%, respectively, from Q3 2011

“Texas Capital experienced outstanding results for the third quarter of 2012,” said George Jones, CEO. “During the quarter we successfully completed offerings of equity and debt capital. By leveraging the new capital effectively with strong growth in loans, we have produced record earnings and excellent returns. We believe we are demonstrating the value of our business model and why Texas Capital has become the Best Business Bank in Texas.^®”

FINANCIAL SUMMARY

(dollars and shares in thousands)

	Q3 2012			Q3 2011			% Change
QUARTERLY OPERATING RESULTS(1)
Net Income	$	32,570		$	21,710			50	%
Diluted EPS	$	.80		$	.56			43	%
ROA		1.40	%		1.25	%
ROE		17.27	%		14.93	%
Diluted Shares		40,756			38,435
BALANCE SHEET(1)
Total Assets	$	9,881,362		$	7,705,372			28	%
Demand Deposits		2,114,279			1,661,125			27	%
Total Deposits		6,717,579			5,486,463			22	%
Loans Held for Investment		6,549,089			5,302,584			24	%
Loans Held for Sale		2,818,622			1,909,567			48	%
Total Loans		9,367,711			7,212,151			30	%
Stockholders’ Equity		802,406			587,944			36	%

(1) Operating results, assets and loans are reporting from continuing operations

DETAILED FINANCIALS

Texas Capital Bancshares, Inc. reported net income from continuing operations of $32.6 million for the third quarter of 2012 compared to $21.7 million for the third quarter of 2011. On a fully diluted basis, earnings per common share from continuing operations were $.80 for the three months ended September 30, 2012, compared to $.56 for the same period last year. During the third quarter of 2012, we completed an equity offering of 2.3 million shares. The diluted share effect for the quarter was to increase diluted shares by 1.5 million shares, or 4 percent. The discussion below relates only to continuing operations.

Return on average equity was 17.27 percent and return on average assets was 1.40 percent for the third quarter of 2012, compared to 14.93 percent and 1.25 percent, respectively, for the third quarter of 2011.

Net interest income was $96.9 million for the third quarter of 2012, compared to $90.6 million in the second quarter of 2012 and $79.2 million for the third quarter of 2011. The net interest margin in the third quarter of 2012 was 4.36 percent, a 45 basis point decrease from the third quarter of 2011 and a 13 basis point decrease from the second quarter of 2012. The year over year decrease in net interest margin is due to the growth in loans with lower yields with an offsetting benefit of the reduction in funding costs. The growth in loans more than compensated for the reduction in yields and produced the strong growth in net interest income.

Average loans held for investment for the third quarter of 2012 were $6.3 billion, an increase of $1.1 billion, or 21 percent, from the third quarter of 2011 and an increase of $362.4 million, or 6 percent, from the second quarter of 2012. Average loans held for sale for the third quarter of 2012 increased $1.2 billion to $2.4 billion compared to the third quarter of 2011 and increased $369.6 million from the second quarter of 2012.

Average total deposits for the third quarter of 2012 increased $1.4 billion from the third quarter of 2011 and increased $407.9 million from the second quarter of 2012. For the same periods, the average balance of demand deposits increased $485.6 million, or 32 percent, to $2.0 billion from $1.5 billion during the third quarter of 2011 and increased $146.2 million, or 8 percent, from the second quarter of 2012.

In the third quarter of 2012, we experienced decreases in the ratios of non-performing assets and credit losses to loans held for investment. Credit costs, including the provision for credit losses and valuation charges related to other real estate owned (“OREO”) totaled $3.1 million in the third quarter of 2012 compared to $8.7 million in the third quarter of 2011 and $4.1 million in the second quarter of 2012. We recorded a $3.0 million provision for credit losses in the third quarter of 2012 compared to $7.0 million in the third quarter of 2011 and $1.0 million in the second quarter of 2012. At September 30, 2012, the combined reserve decreased to 1.18 percent of loans held for investment as compared to 1.32 percent at September 30, 2011 and 1.21 percent at June 30, 2012. In management’s opinion, the reserve is appropriate and is derived from consistent application of the methodology for establishing the adequacy of reserves for Texas Capital Bank’s loan portfolio. In the third quarter of 2012, net charge-offs were $1.2 million compared to net charge-offs of $6.3 million in the third quarter of 2011 and net charge-offs of $533,000 in the second quarter of 2012. Non-accrual loans were $57.3 million, or .87 percent of loans held for investment at the end of the third quarter of 2012, $66.7 million, or 1.26 percent, at the end of the third quarter of 2011 and $56.4 million, or .91 percent, at the end of the second quarter 2012. At September 30, 2012, total OREO was $19.1 million compared to $35.8 million at the end of the third quarter of 2011, and $27.9 million at the end of the second quarter of 2012. The OREO balance of $19.1 million at September 30, 2012 is stated net of a $4.7 million valuation allowance. The valuation charge for OREO reflected in non-interest expense was $64,000 in the third quarter of 2012 compared to $1.7 million in the third quarter of 2011 and $3.1 million in the second quarter of 2012.

Non-interest income increased $2.9 million during the third quarter of 2012, or 39 percent, compared to the same period of 2011 primarily related to a $2.0 million increase in brokered loan fees earned in the mortgage warehouse lending division.

Non-interest expense for the third quarter of 2012 increased $7.3 million, or 16 percent, to $53.5 million from $46.2 million in the third quarter of 2011. The increase is primarily related to a $5.4 million increase in salaries and employee benefits to $31.0 million from $25.6 million, which was primarily due to general

2

business growth and costs of performance-based incentives resulting from the increase in stock price. Marketing expense and legal and professional expense increased $1.0 million and $1.3 million, respectively, from the third quarter of 2011 primarily due to general business growth. Allowance and other carrying costs for OREO expense decreased $1.6 million to $552,000, which included a $64,000 valuation expense during the third quarter of 2012. The $64,000 valuation expense in the third quarter of 2012 related to direct write-downs, compared to $1.7 million in valuation expense in the third quarter 2011, $61,000 of which related to direct write-downs and $1.6 million related to increasing the valuation allowance.

Stockholders’ equity increased by 36 percent from $587.9 million at September 30, 2011 to $802.4 million at September 30, 2012, primarily related to the offering of 2.3 million common shares for net proceeds of $87 million and retention of net income. In addition to the equity offering, we also completed a subordinated debt offering of $111 million, increasing our total regulatory capital by approximately $198 million. The Bank is well capitalized under regulatory guidelines and at September 30, 2012, the Company’s ratio of tangible common equity to total tangible assets was 7.9 percent.

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 news release may be deemed to include forward-looking statements which are based on Texas Capital’s current estimates or expectations of future events or future results. Texas Capital is under no obligation, and expressly disclaims such obligation, to update, alter or revise its forward-looking statements, whether as a result of new information, future events, or otherwise. A number of factors, many of which are beyond Texas Capital’s control, could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. These risks and uncertainties include, but are not limited to, 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 prospectus supplements, the Annual Report on Form 10-K and other filings made by Texas Capital with the Securities and Exchange Commission (SEC).

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TEXAS CAPITAL BANCSHARES, INC.

SELECTED FINANCIAL HIGHLIGHTS (UNAUDITED)

(Dollars in thousands except per share data)

	3rd Quarter 2012			2nd Quarter 2012			1st Quarter 2012			4th Quarter 2011			3rd Quarter 2011
CONSOLIDATED STATEMENT OF INCOME
Interest income	$	102,011		$	95,546		$	93,131		$	92,967		$	83,263
Interest expense		5,156			4,906			4,902			4,820			4,065
Net interest income		96,855			90,640			88,229			88,147			79,198
Provision for credit losses		3,000			1,000			3,000			6,000			7,000
Net interest income after provision for credit losses		93,855			89,640			85,229			82,147			72,198
Non-interest income		10,552			10,462			9,190			8,994			7,603
Non-interest expense		53,521			53,973			52,276			50,353			46,186
Income from continuing operations before income taxes		50,886			46,129			42,143			40,788			33,615
Income tax expense		18,316			16,506			15,062			15,043			11,905
Income from continuing operations		32,570			29,623			27,081			25,745			21,710
Income (loss) from discontinued operations (after-tax)		(34	)		(1	)		4			(5	)		(7	)
Net income	$	32,536		$	29,622		$	27,085		$	25,740		$	21,703
Diluted EPS from continuing operations	$	.80		$	.76		$	.70		$	.67		$	.56
Diluted EPS	$	.80		$	.76		$	.70		$	.67		$	.56
Diluted shares		40,755,733			39,141,544			38,914,241			38,609,094			38,435,386
CONSOLIDATED BALANCE SHEET DATA
Total assets	$	9,881,362		$	9,144,360		$	8,559,917		$	8,137,225		$	7,705,372
Loans held for investment		6,549,089			6,234,692			5,792,349			5,572,371			5,302,584
Loans held for sale		2,818,622			2,408,032			2,255,281			2,080,081			1,909,567
Securities		107,288			114,964			123,828			143,710			142,895
Demand deposits		2,114,279			2,019,473			1,751,443			1,751,944			1,661,125
Total deposits		6,717,579			6,660,290			6,063,558			5,556,257			5,486,463
Other borrowings		2,046,169			1,609,039			1,657,728			1,768,116			1,451,894
Subordinated notes		111,000			—			—			—			—
Long-term debt		113,406			113,406			113,406			113,406			113,406
Stockholders’ equity		802,406			680,705			647,341			616,331			587,944
End of period shares outstanding		40,580,283			38,114,012			37,912,054			37,666,291			37,457,762
Book value (excluding securities gains/losses)	$	19.68		$	17.75		$	16.96		$	16.24		$	15.56
Tangible book value (excluding securities gains/losses)	$	19.18		$	17.22		$	16.42		$	15.69		$	15.01
SELECTED FINANCIAL RATIOS
Net interest margin		4.36	%		4.49	%		4.54	%		4.60	%		4.81	%
Return on average assets		1.40	%		1.40	%		1.33	%		1.28	%		1.25	%
Return on average equity		17.27	%		18.08	%		17.36	%		17.05	%		14.93	%
Non-interest income to earning assets		.47	%		.52	%		.47	%		.47	%		.46	%
Efficiency ratio		49.8	%		53.4	%		53.7	%		51.8	%		53.2	%
Efficiency ratio (excluding OREO valuation/write-down)		49.8	%		50.3	%		50.8	%		50.7	%		51.3	%
Non-interest expense to earning assets		2.40	%		2.67	%		2.69	%		2.62	%		2.80	%
Non-interest expense to earning assets (excluding OREO valuation charge)		2.40	%		2.52	%		2.55	%		2.57	%		2.70	%
Tangible common equity to total tangible assets		7.9	%		7.2	%		7.3	%		7.3	%		7.3	%
Tier 1 capital ratio		10.4	%		9.5	%		9.5	%		9.6	%		9.7	%
Total capital ratio		12.6	%		10.5	%		10.4	%		10.6	%		10.7	%
Tier 1 leverage ratio (1)		9.6	%		9.0	%		8.9	%		8.8	%		9.8	%

(1) Non-GAAP measure equal to end of period shareholders’ equity less goodwill and intangible assets divided by end of period total assets less goodwill and intangible assets.

4

TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED BALANCE SHEETS (UNAUDITED)

(Dollars in thousands)

	September 30, 2012			September 30, 2011			% Change
Assets
Cash and due from banks	$	88,220		$	83,489			6	%
Interest-bearing deposits		60,971			37,080			64	%
Securities, available-for-sale		107,288			142,895			(25	)%
Loans held for sale		2,818,622			1,909,567			48	%
Loans held for sale from discontinued operations		304			395			(23	)%
Loans held for investment (net of unearned income)		6,549,089			5,302,584			24	%
Less: Allowance for loan losses		73,722			67,897			9	%
Loans held for investment, net		6,475,367			5,234,687			24	%
Premises and equipment, net		11,280			11,596			(3	)%
Accrued interest receivable and other assets		299,582			265,412			13	%
Goodwill and intangibles, net		20,032			20,646			(3	)%
Total assets	$	9,881,666		$	7,705,767			28	%
Liabilities and Stockholders’ Equity
Liabilities:
Deposits:
Non-interest bearing	$	2,114,279		$	1,661,125			27	%
Interest bearing		4,171,405			3,204,985			30	%
Interest bearing in foreign branches		431,895			620,353			(30	)%
Total deposits		6,717,579			5,486,463			22	%
Accrued interest payable		1,039			671			55	%
Other liabilities		90,067			65,389			38	%
Federal funds purchased		473,330			321,930			47	%
Repurchase agreements		22,788			27,059			(16	)%
Other borrowings		1,550,051			1,102,905			41	%
Subordinated notes		111,000			—			100	%
Trust preferred subordinated debentures		113,406			113,406			—
Total liabilities		9,079,260			7,117,823			28	%
Stockholders’ equity:
Preferred stock, $.01 par value, $1,000 liquidation value:
Authorized shares – 10,000,000
Issued shares		—			—			—
Common stock, $.01 par value:
Authorized shares – 100,000,000
Issued shares – 40,580,700 and 37,458,179 at September 30, 2012 and 2011, respectively		406			374			9	%
Additional paid-in capital		447,104			346,405			29	%
Retained earnings		351,026			236,043			49	%
Treasury stock (shares at cost: 417 at September 30, 2012 and 2011)		(8	)		(8	)		—
Accumulated other comprehensive income, net of taxes		3,878			5,130			(24	)%
Total stockholders’ equity		802,406			587,944			36	%
Total liabilities and stockholders’ equity	$	9,881,666		$	7,705,767			28	%

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TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

(Dollars in thousands except per share data)

	Three Months Ended September 30						Nine Months Ended September 30
	2012			2011			2012			2011
Interest income
Interest and fees on loans	$	100,830		$	81,692		$	286,895		$	223,241
Securities		1,125			1,524			3,635			5,050
Federal funds sold		2			3			7			36
Deposits in other banks		54			44			151			306
Total interest income		102,011			83,263			290,688			228,633
Interest expense
Deposits		3,378			3,191			10,332			11,479
Federal funds purchased		268			128			789			329
Repurchase agreements		3			2			10			6
Other borrowings		607			110			1,534			124
Subordinated notes		208			—			208			—
Trust preferred subordinated debentures		692			634			2,091			1,905
Total interest expense		5,156			4,065			14,964			13,843
Net interest income		96,855			79,198			275,724			214,790
Provision for credit losses		3,000			7,000			7,000			22,500
Net interest income after provision for credit losses		93,855			72,198			268,724			192,290
Non-interest income
Service charges on deposit accounts		1,684			1,585			4,912			4,976
Trust fee income		1,216			1,091			3,562			3,111
Bank owned life insurance (BOLI) income		549			533			1,658			1,595
Brokered loan fees		4,839			2,849			12,618			7,927
Other		2,264			1,545			7,454			5,629
Total non-interest income		10,552			7,603			30,204			23,238
Non-interest expense
Salaries and employee benefits		31,009			25,596			90,258			73,877
Net occupancy expense		3,653			3,367			10,936			10,120
Marketing		3,472			2,455			9,469			7,311
Legal and professional		4,916			3,647			12,237			10,634
Communications and technology		2,885			2,210			8,088			7,141
FDIC insurance assessment		1,332			1,465			4,497			5,948
Allowance and other carrying costs for OREO		552			2,150			7,706			7,203
Other		5,702			5,296			16,579			15,614
Total non-interest expense		53,521			46,186			159,770			137,848
Income from continuing operations before income taxes		50,886			33,615			139,158			77,680
Income tax expense		18,316			11,905			49,884			27,323
Income from continuing operations		32,570			21,710			89,274			50,357
Income (loss) from discontinued operations (after-tax)		(34	)		(7	)		(31	)		(121	)
Net income	$	32,536		$	21,703		$	89,243		$	50,236
Basic earnings per common share:
Income from continuing operations	$	.82		$	.58		$	2.32		$	1.35
Net income	$	.82		$	.58		$	2.32		$	1.35
Diluted earnings per common share:
Income from continuing operations	$	.80		$	.56		$	2.25		$	1.31
Net income	$	.80		$	.56		$	2.25		$	1.31

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TEXAS CAPITAL BANCSHARES, INC.

SUMMARY OF LOAN LOSS EXPERIENCE

(Dollars in thousands)

	3rd Quarter 2012			2nd Quarter 2012			1st Quarter 2012			4th Quarter 2011			3rd Quarter 2011
Reserve for loan losses:
Beginning balance	$	72,404		$	71,992		$	70,295		$	67,897		$	67,748
Loans charged-off:
Commercial		1,154			1,048			462			1,348			1,523
Real estate – construction		—			—			—			—			—
Real estate – term		284			56			559			2,438			5,049
Consumer		49			—			—			—			—
Leases		49			26			95			238			(16	)
Total		1,536			1,130			1,116			4,024			6,556
Recoveries:
Commercial		132			191			159			390			109
Real estate – construction		10			—			—			—			5
Real estate – term		130			348			108			45			152
Consumer		18			3			5			4			1
Leases		16			55			16			171			36
Total recoveries		306			597			288			610			303
Net charge-offs		1,230			533			828			3,414			6,253
Provision for loan losses		2,548			945			2,525			5,812			6,402
Ending balance	$	73,722		$	72,404		$	71,992		$	70,295		$	67,897
Reserve for off-balance sheet credit losses:
Beginning balance	$	2,992		$	2,937		$	2,462		$	2,274		$	1,676
Provision for off-balance sheet credit losses		452			55			475			188			598
Ending balance	$	3,444		$	2,992		$	2,937		$	2,462		$	2,274
Total reserves for credit losses	$	77,166		$	75,396		$	74,929		$	72,757		$	70,171
Total provision for credit losses	$	3,000		$	1,000		$	3,000		$	6,000		$	7,000
Reserve to loans held for investment(2)		1.13	%		1.16	%		1.24	%		1.26	%		1.28	%
Reserve to average loans held for investment(2)		1.16	%		1.22	%		1.27	%		1.30	%		1.30	%
Net charge-offs to average loans(1)(2)		.08	%		.04	%		.06	%		.25	%		.48	%
Net charge-offs to average loans for last twelve months(1)(2)		.10	%		.20	%		.40	%		.58	%		.90	%
Total provision for credit losses to average loans(1)(2)		.19	%		.07	%		.21	%		.44	%		.53	%
Combined reserves for credit losses to loans held for investment(2)		1.18	%		1.21	%		1.29	%		1.31	%		1.32	%
Non-performing assets (NPAs):
Non-accrual loans	$	57,275		$	56,433		$	50,160		$	54,580		$	66,714
Other real estate owned (OREO) (4)		19,079			27,882			32,601			34,077			35,796
Total	$	76,354		$	84,315		$	82,761		$	88,657		$	102,510
Non-accrual loans to loans(2)		.87	%		.91	%		.87	%		.98	%		1.26	%
Total NPAs to loans plus OREO(2)		1.16	%		1.35	%		1.42	%		1.58	%		1.92	%
Total NPAs to earning assets		.81	%		.97	%		1.01	%		1.14	%		1.40	%
Reserve for loan losses to non-accrual loans		1.3x			1.3x			1.4x			1.3x			1.0x
Restructured loans	$	9,145		$	13,943		$	12,582		$	25,104		$	24,963
Loans past due 90 days and still accruing(3)	$	3,622		$	4,421		$	5,941		$	5,467		$	3,003
Loans past due 90 days to loans(2)		.06	%		.07	%		.10	%		.10	%		.06	%

(1) Interim period ratios are annualized.

(2) Excludes loans held for sale.

(3) At September 30, 2012, loans past due 90 days and still accruing includes premium finance loans of $2.7 million. 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 180 days or longer from the cancellation date.

(4) At September 30, 2012, OREO balance is net of $4.7 million valuation allowance.

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TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED STATEMENT OF INCOME (UNAUDITED)

(Dollars in thousands)

	3rd Quarter 2012			2nd Quarter 2012			1st Quarter 2012		4th Quarter 2011			3rd Quarter 2011
Interest income
Interest and fees on loans	$	100,830		$	94,291		$	91,774	$	91,512		$	81,692
Securities		1,125			1,203			1,307		1,408			1,524
Federal funds sold		2			4			1		1			3
Deposits in other banks		54			48			49		46			44
Total interest income		102,011			95,546			93,131		92,967			83,263
Interest expense
Deposits		3,378			3,482			3,472		3,471			3,191
Federal funds purchased		268			240			281		273			128
Repurchase agreements		3			4			3		4			2
Other borrowings		607			492			435		404			110
Subordinated notes		208			—			—		—			—
Trust preferred subordinated debentures		692			688			711		668			634
Total interest expense		5,156			4,906			4,902		4,820			4,065
Net interest income		96,855			90,640			88,229		88,147			79,198
Provision for credit losses		3,000			1,000			3,000		6,000			7,000
Net interest income after provision for credit losses		93,855			89,640			85,229		82,147			72,198
Non-interest income
Service charges on deposit accounts		1,684			1,624			1,604		1,504			1,585
Trust fee income		1,216			1,232			1,114		1,108			1,091
Bank owned life insurance (BOLI) income		549			588			521		500			533
Brokered loan fees		4,839			4,128			3,651		3,408			2,849
Other		2,264			2,890			2,300		2,474			1,545
Total non-interest income		10,552			10,462			9,190		8,994			7,603
Non-interest expense
Salaries and employee benefits		31,009			30,230			29,019		26,658			25,596
Net occupancy expense		3,653			3,679			3,604		3,537			3,367
Marketing		3,472			3,174			2,823		3,798			2,455
Legal and professional		4,916			3,330			3,991		4,362			3,647
Communications and technology		2,885			2,720			2,483		2,468			2,210
FDIC insurance assessment		1,332			1,596			1,569		1,595			1,465
Allowance and other carrying costs for OREO		552			3,812			3,342		2,383			2,150
Other		5,702			5,432			5,445		5,552			5,296
Total non-interest expense		53,521			53,973			52,276		50,353			46,186
Income from continuing operations before income taxes		50,886			46,129			42,143		40,788			33,615
Income tax expense		18,316			16,506			15,062		15,043			11,905
Income from continuing operations		32,570			29,623			27,081		25,745			21,710
Income (loss) from discontinued operations (after-tax)		(34	)		(1	)		4		(5	)		(7	)
Net income	$	32,536		$	29,622		$	27,085	$	25,740		$	21,703

8

TEXAS CAPITAL BANCSHARES, INC.

QUARTERLY FINANCIAL SUMMARY – UNAUDITED

Consolidated Daily Average Balances, Average Yields and Rates

Continuing Operations

(Dollars in thousands)

	3rd Quarter 2012							2nd Quarter 2012							1st Quarter 2012							4th Quarter 2011							3rd Quarter 2011
	Average Balance		Revenue/ Expense (1)		Yield/ Rate			Average Balance		Revenue/ Expense (1)		Yield/ Rate			Average Balance		Revenue/ Expense (1)		Yield/ Rate			Average Balance		Revenue/ Expense (1)		Yield/ Rate			Average Balance		Revenue/ Expense (1)		Yield/ Rate
Assets
Securities – Taxable	$	84,583	$	881		4.14	%	$	91,623	$	948		4.16	%	$	109,003	$	1,041		3.84	%	$	109,761	$	1,126		4.07	%	$	115,871	$	1,214		4.16	%
Securities – Non-taxable(2)		25,717		376		5.82	%		26,817		393		5.89	%		28,506		409		5.77	%		30,065		434		5.73	%		33,051		477		5.73	%
Federal funds sold		9,360		2		0.09	%		8,077		4		0.20	%		6,848		1		0.06	%		8,505		1		0.05	%		20,864		3		0.06	%
Deposits in other banks		64,859		54		0.33	%		60,416		48		0.32	%		49,470		49		0.41	%		42,644		46		0.43	%		36,495		44		0.48	%
Loans held for sale		2,432,027		24,433		4.00	%		2,062,449		21,087		4.11	%		2,036,622		21,315		4.21	%		2,093,883		22,332		4.23	%		1,191,375		13,340		4.44	%
Loans held for investment		6,313,263		76,397		4.81	%		5,950,913		73,204		4.95	%		5,660,993		70,459		5.01	%		5,395,253		69,180		5.09	%		5,219,496		68,352		5.20	%
Less reserve for loan losses		72,373		—		—			71,779		—		—			70,261		—		—			67,214		—		—			66,215		—		—
Loans, net of reserve		8,672,917		100,830		4.63	%		7,941,583		94,291		4.78	%		7,627,354		91,774		4.84	%		7,421,922		91,512		4.89	%		6,344,656		81,692		5.11	%
Total earning assets		8,857,436		102,143		4.59	%		8,128,516		95,684		4.73	%		7,821,181		93,274		4.80	%		7,612,897		93,119		4.85	%		6,550,937		83,430		5.05	%
Cash and other assets		399,428							394,086							388,009							382,577							333,563
Total assets	$	9,256,864						$	8,522,602						$	8,209,190						$	7,995,474						$	6,884,500
Liabilities and Stockholders’ Equity
Transaction deposits	$	803,776	$	247		0.12	%	$	694,463	$	198		0.11	%	$	565,319	$	140		0.10	%	$	429,980	$	33		0.03	%	$	412,203	$	52		0.05	%
Savings deposits		2,922,852		2,185		0.30	%		2,664,598		2,107		0.32	%		2,535,412		2,083		0.33	%		2,422,465		2,062		0.34	%		2,253,123		1,664		0.29	%
Time deposits		491,783		576		0.47	%		584,581		831		0.57	%		624,823		920		0.59	%		534,441		927		0.69	%		468,196		1,032		0.87	%
Deposits in foreign branches		431,412		370		0.34	%		444,478		346		0.31	%		409,422		329		0.32	%		578,728		449		0.31	%		588,221		443		0.30	%
Total interest bearing deposits		4,649,823		3,378		0.29	%		4,388,120		3,482		0.32	%		4,134,976		3,472		0.34	%		3,965,614		3,471		0.35	%		3,721,743		3,191		0.34	%
Other borrowings		1,639,953		878		0.21	%		1,428,575		736		0.21	%		1,554,716		719		0.19	%		1,588,198		681		0.17	%		894,073		240		0.11	%
Subordinated notes		12,065		208		6.86	%		—		—		—			—		—		—			—		—		—			—		—		—
Trust preferred subordinated debentures		113,406		692		2.43	%		113,406		688		2.44	%		113,406		711		2.52	%		113,406		668		2.34	%		113,406		634		2.22	%
Total interest bearing liabilities		6,415,247		5,156		0.32	%		5,930,101		4,906		0.33	%		5,803,098		4,902		0.34	%		5,667,218		4,820		0.34	%		4,729,222		4,065		0.34	%
Demand deposits		2,010,694							1,864,456							1,700,390							1,659,132							1,525,087
Other liabilities		80,810							69,076							78,108							70,142							53,233
Stockholders’ equity		750,113							658,969							627,594							598,982							576,958
Total liabilities and stockholders’ equity	$	9,256,864						$	8,522,602						$	8,209,190						$	7,995,474						$	6,884,500
Net interest income			$	96,987						$	90,778						$	88,372						$	88,299						$	79,365
Net interest margin						4.36	%						4.49	%						4.54	%						4.60	%						4.81	%

(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.

9