Spreadsheet: 0551d4d7-ac41-4043-953a-f89d3af3cb44
Sheet: Texas Ratio (2)

 |  | Company Name | TIB-The Independent BankersBank
 |  | City | Irving
 |  | State | TX
 |  | End of Period Date | 2012-06-30 00:00:00
 |  | TEXAS RATIO SUMMARY | Percentage | Value
 |  | Nonaccrual Loans (+)
 |  | Restructured Loans (+)
 |  | Nonaccrual Debt Secs and OA's (+)
 |  | Adjustment for Govt Guaranteed Loans (-)
 |  | Total Adjusted NonAccrual & Restructured
 |  | Other Real Estate Owned (+)
 |  | Adjustment for FDIC Loss Share - OREO (-)
 |  | Total Adjusted Other Real Estate Owned
 |  | Loans & Leases 90 Days PD (+)
 |  | Debt Secs and Other Assets 90 Days PD (+)
 |  | Adjustment for Govt Guaranteed 90 Days PD (-)
 |  | Total Adjusted 90 Days Past Due
 |  | Total Problem Assets
 |  | Tangible Equity and ALLL
 |  | TEXAS RATIO CALCULATION
 |  | TIB TEXAS RATIO CALCULATIONS | Ratio
 |  | Texas Ratio (Less FDIC loss share and government guaranty) < 75%
 |  | Texas Ratio (Less FDIC loss share, restructured loans)
 |  | Texas Ratio (Less FDIC, OREO)
 |  | SNL TEXAS RATIO CALCULATIONS | Ratio
 |  | Texas Ratio (Less FDIC loss share and government guaranty) | 6.18
 |  | Texas Ratio (Tangible Common Equity) | 6.2
 |  | Texas Ratio (Tangible Equity) | 6.2
 |  | NAccr:1-4 Constructions Lns (RCONF176) | 0
 |  | NAccr:Oth Con, Dev, & LndLns (RCONF177) | 0
 |  | NAccr:Farm Loans (RCON3495) | 0
 |  | NAccr:Rev 1-4 Fam (HE Lines) (RCON5400) | 0
 |  | NAccr:Cl-end Frst [NAME] (RCONC229) | 1183
 |  | NAccr:Cl-end [NAME] (RCONC230) | 0
 |  | NAccr:Multifamily Loans (RCON3501) | 0
 |  | NAccr:[NAME] by Ownr-Occ RE (RCONF182) | 2110
 |  | NAccr:Other Prop Loans (RCONF183) | 4044
 |  | NAccr:Foreign RE Loans (RCFNB574) | 0
 |  | NAccr:Tot Lns Dep Inst/Accpt (RCONB836/RCFD5379+RCFD5382) | 0
 |  | NAccr:Agricultural [NAME] (RCON1583/RCFD1583) | 0
 |  | NAccr:Total Comm & Ind Lns (RCON1608/RCFD1253+RCFD1256) | 0
 |  | NAccr:Credit Card Loans (RCONB577/RCFDB577) | 0
 |  | NAccr:Automobile Lns (RCONK215/RCFDK215) | 0
 |  | NAccr:Oth [NAME] (RCONK218/RCFDK218) | 0
 |  | NAccr:Foreign Govt Loans (RCON5391/RCFD5391) | 0
 |  | NAccr:All Other Loans (RCON5461) | 149
 |  | NAccr:Total Leases (RCON1228/RCFDF168+RCFDF171) | 0
 |  | Total Nonaccrual Loans
 |  | CHECK Total Loans Nonaccrual ($000) | 7486
 |  | Memo: Restr Loans 1-4 Family (RCONF576) in compliance w/modified terms | 177
 |  | Memo: Restr Constr Lns 1-4 Family (RCONK158) | 0
 |  | [NAME]: Constr Loans Other (RCONK159) | 0
 |  | [NAME] by Multifamily (RCONK160) | 0
 |  | [NAME] CRE Owner-[NAME] (RCONK161) | 3236
 |  | [NAME] Other Prop Lns (RCONK162) | 0
 |  | [NAME] Comm & Ind Loans (RCONK256) | 0
 |  | [NAME]: Other Loans (RCONK165/RCFDK165) | 0
 |  | Total Restructured Loans in compliance w/modified terms
 |  | CHECK [NAME]: Total Restructed Lns ($000) | 3413
 |  | Total Nonaccr Secs and OA's (RCON3507) | 0
 |  | NAccr: Guaranteed Loans Less [NAME] (RCONK041/RCFDK041) | 47
 |  | NAccr: Rebooked GNMA Loans (RCONK044/RCFDK044) | 0
 |  | NAccr: FDIC: Portion Lns Protect (RCONK104/RCFDK104) | 0
 |  | Total Nonaccrual Guaranteed Loans
 |  | CHECK NAccr:Guaranteed [NAME] ($000) | 47
 |  | ORE:Const&Land Dev-Dom Off (RCON5508) | 0
 |  | ORE:Farmland-Dom Off (RCON5509) | 0
 |  | ORE:1-4 Family Prop-Dom Off (RCON5510) | 80
 |  | ORE:[NAME] (RCON5511) | 0
 |  | ORE:Nonfarm/NonRes-Dom Off (RCON5512) | 1829
 |  | ORE: Foreclosed Prop-GNMA Lns (RCONC979) | 0
 |  | ORE:In Foreign Offices (RCFN5513)
 |  | Total Other Real Estate
 |  | CHECK Total Other Real Estate (RCON2150) | 1909
 |  | FDIC Loss Share: OREO: [NAME] (RCONK192/RCFDK192) | 0
 |  | 90+PD:1-4 Constructions Lns (RCONF174) | 0
 |  | 90+PD:[NAME], Dev, & LndLns (RCONF175) | 0
 |  | 90+PD:Farm Loans (RCON3494) | 0
 |  | 90+PD:Rev 1-4 Fam (HE Lines) (RCON5399) | 0
 |  | 90+PD:Cl-end Frst [NAME] (RCONC237) | 0
 |  | 90+PD:Cl-end [NAME] (RCONC239) | 0
 |  | 90+PD:Multifamily Loans (RCON3500) | 0
 |  | 90+PD:[NAME] by Ownr-Occ RE (RCONF180) | 0
 |  | 90+PD:Other Prop Loans (RCONF181) | 0
 |  | 90+PD:Foreign RE Loans (RCFNB573/RCFNB573) | 0
 |  | 90+PD:Tot Lns Dep Inst/Accpt (RCONB835/RCFD5378+RCFD5381) | 0
 |  | 90+PD:Agricultural Loans (RCON1597/RCFD1597) | 0
 |  | 90+PD:Total Comm & Ind Lns (RCON1607/RCFD1252+RCFD1255) | 131
 |  | 90+PD:Credit Card Loans (RCONB576/RCFDB576) | 180
 |  | 90+PD:[NAME] (RCONK214/RCFDK214) | 0
 |  | 90+PD:Oth [NAME] (RCONK217/RCFDK217)
 |  | 90+PD:Foreign Govt Loans (RCON5390/RCFD5390) | 0
 |  | 90+PD:All Other Loans (RCON5460) | 0
 |  | 90+PD:Total Leases (RCON1227/RCFDF167+RCFDF170) | 0
 |  | Total Loans & Leases 90 Days PD
 |  | CHECK Total Loans & Leases 90dPD | 311
 |  | Total Secs and OA's 90 Days PD (RCON3506) | 0
 |  | 90+PD: Guaranteed Loans Less GNMA (RCONK040/RCFDK040) | 0
 |  | 90+PD: Rebooked GNMA Loans (RCONK043/RCFDK043) | 0
 |  | 90+PD: FDIC: Portion Lns Protect (RCONK103/RCFDK103) | 0
 |  | Total 90+ PD: Guaranteed Portion of Loans
 |  | CHECK 90+PD:Guaranteed [NAME] ($000) | 0
 |  | Total Adj Problem Assets
 |  | CHECK Adj NPA +Adj Loans 90PD ($000) | 13072
 |  | Plus: Bank Equity Capital (RCON3210) | 203274
 |  | Less: Goodwill (RCON3163) | 1000
 |  | Less: Other Intangible Assets (RCON0426) | 16613
 |  | Plus: Intangible Assets:Mortgage Serv Rights (RCON3164) | 8817
 |  | Plus: Total Reserves (RCON3123) | 17060
 |  | Total Tangible Equity and ALLL