Texas Capital Q2 EPS $0.59 vs $1.31 YoY; net income down 54%; loans up 11% QoQ

TEXAS CAPITAL BANCSHARES INC/TX

2022-Q2 EPS reported $1.28

Net income available to common $29.8M ($0.59 diluted EPS) vs $67.2M ($1.31) in Q2 2021 and $35.3M ($0.69) in Q1 2022.
Total loans held for investment rose $2.4B (11%) linked quarter to $24.1B; net interest margin expanded 45bps to 2.68%.
Pre-Provision Net Revenue grew $16.7M (33%) QoQ; non-interest income up 29% driven by investment banking and trading.
Recorded $22M provision for credit losses (vs negative $2M in Q1) primarily from loan growth; net charge-offs $2.6M.
Repurchased 941,879 shares for $50M at average $53.11; CET1 ratio 10.5%; all regulatory ratios 'well capitalized'.

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