Texas Capital Q4 net income $65.1M ($1.19 EPS); full year EPS $4.60 vs $1.12; credit improves

TEXAS CAPITAL BANCSHARES INC/TX

2021-FY EPS reported $4.60

Q4 2021 net income $65.1M ($1.19 diluted EPS), vs $43.4M ($0.76) Q3 and $60.2M ($1.14) Q4 2020.
Full year 2021 net income $253.9M ($4.60 EPS) vs $66.3M ($1.12 EPS) in 2020.
Recorded $10.0M provision release (negative provision) as criticized loans fell to $582.9M from $728.9M Q3.
Net interest margin 2.12%, down 10bps YoY; net interest income $194M vs $213.2M in Q4 2020.
Capital ratios improved: CET1 11.1%, TCE/TA 8.3%; all ratios well above 'well-capitalized' levels.

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