Company: TCBI
Filing Date: 2025-04-17
Form Type: 10-Q
Source: 0001077428-25-000078
Chunk: 50

Company: TEXAS CAPITAL BANCSHARES INC/TX
Filing Date: 2025-04-17
Form: 10-Q
Item: Part I, Item 1
Chunk 50
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20,900,433 199,378 133,045 204,455 21,437,311 Fixed loans47,432 57,454 207,732 725,146 1,037,764 Total loans(2)20,947,865 256,832 340,777 929,601 22,475,075 Total interest sensitive assets$24,634,141 $537,686 $425,952 $5,009,484 $30,607,263 LiabilitiesInterest bearing customer deposits$15,781,587 $— $— $— $15,781,587 CDs953,511 1,340,301 99,656 3,199 2,396,667 Total interest bearing deposits16,735,098 1,340,301 99,656 3,199 18,178,254 Short-term borrowings750,000 — — — 750,000 Long-term debt113,406 174,783 — 372,332 660,521 Total borrowings863,406 174,783 — 372,332 1,410,521 Total interest sensitive liabilities$17,598,504 $1,515,084 $99,656 $375,531 $19,588,775 GAP$7,035,637 $(977,398)$326,296 $4,633,953 $— Cumulative GAP$7,035,637 $6,058,239 $6,384,535 $11,018,488 $11,018,488 Non-interest bearing deposits7,874,780 Stockholders’ equity3,429,774 Total$11,304,554 

(1)Available-for-sale debt securities, equity securities and trading securities based on fair market value.

(2)Total loans include gross loans held for investment and loans held for sale.

29

While a gap interest table is useful in analyzing interest rate sensitivity, an interest rate sensitivity simulation provides a better illustration of the sensitivity of earnings to changes in interest rates. Earnings are also affected by the effects of changing interest rates on the value of funding derived from non-interest bearing deposits and stockholders’ equity. Management performs a sensitivity analysis to identify interest rate risk exposure on net interest income. Management also quantifies and measures