Texas Capital Bancshares, Inc. (FRA:TCA)

Texas Capital Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	1,445	1,378	1,301	983.79	820.48
Interest Income on Investments	326.78	351.63	329.27	160.45	56.05
Total Interest Income	1,772	1,730	1,630	1,144	876.53
Interest Paid on Deposits	697.77	736.2	587.78	190.66	65.51
Interest Paid on Borrowings	45.38	92.05	128.03	77.82	42.24
Total Interest Expense	743.15	828.25	715.8	268.48	107.75
Net Interest Income	1,029	901.3	914.12	875.77	768.78
Net Interest Income Growth (YoY)	14.13%	-1.40%	4.38%	13.92%	-9.70%
Trust Income	15.9	15.32	13.96	15.04	13.17
Income From Trading Activities	27.09	21.64	22.51	10.08	-
Gain (Loss) on Sale of Assets	-	-	-	248.53	-
Gain (Loss) on Sale of Investments	-1.89	-179.58	0.49	-	-
Other Non-Interest Income	153.49	148.13	103.59	52.61	106.06
Total Non-Interest Income	227.14	31.05	161.42	349.52	138.29
Non-Interest Income Growth (YoY)	631.63%	-80.77%	-53.82%	152.75%	-31.87%
Revenues Before Loan Losses	1,256	932.35	1,076	1,225	907.07
Provision for Loan Losses	55	67	72	66	-30
Revenue	1,201	865.35	1,004	1,159	937.07
Revenue Growth (YoY)	38.76%	-13.77%	-13.44%	23.71%	17.68%
Salaries and Employee Benefits	480.5	437.49	435.5	413.47	318.87
Occupancy Expenses	-	17.09	16.44	44.22	33.23
Federal Deposit Insurance	20.15	20.55	16.88	14.34	21.03
Selling, General & Administrative	214.03	213.51	218.3	198.93	157.67
Other Non-Interest Expense	55.62	53.87	49.94	56.56	68.21
Total Non-Interest Expense	770.31	742.51	737.05	727.53	599.01
EBT Excluding Unusual Items	430.47	122.84	266.5	431.76	338.06
Legal Settlements	-	-5	-	-	-
Other Unusual Items	2.24	-2.8	-19.9	-	-
Pretax Income	432.71	107.06	246.6	431.76	338.06
Income Tax Expense	102.47	29.55	57.45	99.28	84.12
Net Income	330.24	77.51	189.14	332.48	253.94
Preferred Dividends & Other Adjustments	17.25	17.25	17.25	17.25	18.72
Net Income to Common	312.99	60.26	171.89	315.23	235.22
Net Income Growth	326.08%	-59.02%	-43.11%	30.93%	283.08%
Basic Shares Outstanding	46	47	48	50	51
Diluted Shares Outstanding	46	47	49	51	51
Shares Change (YoY)	-1.83%	-3.33%	-4.77%	-0.18%	1.10%
EPS (Basic)	6.86	1.29	3.58	6.25	4.65
EPS (Diluted)	6.79	1.28	3.54	6.18	4.60
EPS Growth	430.47%	-63.84%	-42.72%	34.35%	310.71%
Effective Tax Rate	23.68%	27.60%	23.30%	22.99%	24.88%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.