BANK AT A GLANCE IBTX.COM 1600 REDBUD BLVD., MCKINNEY, TEXAS
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1 BANK AT A GLANCE IBTX.COM 1600 REDBUD BLVD., MCKINNEY, TEXAS
2 Independent Bank is a $5 billion dollar community-centric lending institution operating more than 40 banking offices throughout Texas. We provide a wide-range of relationship-driven commercial banking products and services tailored to meet the needs of businesses, professionals, and community organizations. We also offer a complete suite of consumer financial products to meet the personal needs of individuals and families; including investments, checking, savings, loans and convenience services. CORE VALUES Take Exceptional Care of Our Valued Customers Do It Right the First Time Make Safety and Soundness the Basis of All Decisions Encourage Teamwork and Cooperation Accept Only the Highest Standard of Ethics and Integrity AWARDS & ACCOLADES MID-MARKET 50 (TOP 50 PERFORMERS) Dallas Business Journal COMMUNITY BANKERS CUP RECIPIENT Raymond James HEALTHIEST BANKS DepositAccounts.com BEST BANK, LENDER AND FINANCIAL SERVICES Consistently Ranked Best in a Number of Our Communities BEST OF COMMUNITY BANKING AWARDS Independent Bankers Association of Texas HEALTHIEST HOUSTON-AREA EMPLOYERS Houston Business Journal HEALTHIEST EMPLOYERS OF CENTRAL TEXAS Austin Business Journal PLATINUM FIT-FRIENDLY WORKSITE American Heart Association
3 ONE COMPANY. LIMITLESS OPPORTUNITY. FINANCIAL PRODUCTS Independent Bank offers checking and savings products tailored to your specific needs. Combining the popular Rewards Checking account with a REALSaver Savings account can earn you maximum value, resulting in cash in your pocket. HOME MORTGAGE Independent Bank s mortgage teams specialize in competitive rates, fast approvals and an easy closing process. The Independent Bank Mortgage team works to make your move easy. SECURITY Independent Bank takes your financial security seriously. Protecting your future will remain the Bank s top priority. New threats arise every day, but you can trust in Independent Bank s layers of protection and a security team that works to get ahead of these attacks before they happen. WEALTH MANAGEMENT Helping you build for the long term, IBG Financial Advisors located at Independent Bank, acts as a family CFO to help you make the right financial decisions for you and your family. From stocks and bonds to life insurance, IBG Financial Advisors has specialists to help shape your financial future. Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Independent Bank deposits and are not FDIC insured. These products are not obligations of Independent Bank and are not endorsed, recommended or guaranteed by Independent Bank or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. Independent Bank and IBG Financial Advisors are not registered broker/dealers and are separate entities from LPL Financial. ENERGY LENDING Independent Bank s Energy Group provides innovative, customized financial solutions for the core areas of the oil and gas industry. An experienced team of relationship managers, who understand the oil and gas business at all levels is ready to meet your needs. TREASURY MANAGEMENT Optimize your business with Independent Bank s Treasury Management Services. With a unique line of products from Remote Deposit Capture to Lockbox Services, Treasury Management works to streamline your business tasks and increase productivity. REAL ESTATE & COMMERCIAL LENDING Listening to your business objectives is the focus of Independent Bank s commercial lending team. Developing customized lending solutions to help your business grow is the result of time invested in each lender s relationship with you. E-SERVICES With many convenient and reliable eservices in your corner, you can bank anywhere, anytime. From Text Banking to the Mobile Deposit feature on Independent Bank s Mobile App, you have instant access to Independent Bank on the go.
4 2015 HIGHLIGHTS Achieved Record Earnings Maintained Solid Loan Growth Acquired Grand Bank in Dallas Realized Historically Strong Credit Metrics Enhanced and Upgraded Technology & Operations Infrastructure Extended Service Offerings
5 COMPANY HIGHLIGHTS IN THOUSANDS Total Assets 2015 $5,055, $4,132,639 Loans Held for Investment $3,989,405 $3,201,084 Securities Deposits $273,463 $4,028,279 $206,062 $3,249,598 Shareholders Equity Pre-Tax Income $603,371 $57,797 $540,851 $43,898 Net Income $38,786 $28,978 Nonperforming Assets to Total Assets Nonperforming Loans to Total Loans 0.36% 0.37% 0.36% 0.33% Net Charge-Offs to Average Loans Outstanding 0.02% 0.03% Tier 1 Risk Based Capital Ratio 8.92% 9.83% Total Risk Based Capital Ratio 11.14% 12.59% Tangible Common Equity to Tangible Assets 6.87% 7.07%
6 INDEPENDENT BANK GROUP BOARD OF DIRECTORS DAVID R. BROOKS Chairman / CEO M. BRIAN AYNESWORTH CEO & President Southwestern Commercial Properties, LLC TORRY BERNTSEN President DANIEL W. BROOKS Vice Chairman / Chief Risk Officer DOUGLAS A. CIFU CEO Virtu Financial, LLC WILLIAM E. FAIR Chairman / CEO Home Abstract and Title Company, Inc. CRAIG E. HOLMES Chief Financial Officer Sizmek, Inc. J. WEBB JENNINGS III Vice President Hancock Park Associates DONALD L. POARCH Partner / Co-Owner The Sprint Companies JACK M. RADKE Owner / President AgPower, Inc. G. STACY SMITH Managing Partner SCW Capital, LP MICHAEL T. VIOLA Virtu Financial, LLC EXECUTIVE LEADERSHIP TEAM DAVID R. BROOKS Chairman / CEO TORRY BERNTSEN President DANIEL W. BROOKS Vice Chairman / Chief Risk Officer BRIAN E. HOBART Vice Chairman / Chief Lending Officer MICHELLE S. HICKOX Executive Vice President / Chief Financial Officer JAMES C. WHITE Executive Vice President / Chief Operations Officer
7 NORTH TEXAS LEADERSHIP TEAM SCOTT BANDEMIR Sherman JOHNNY BRATCHER Farmersville ROBERT CAMP McKinney TOM HESLEP Highland Village JONATHAN SPARLING Plano DAN STRODEL Dallas JODY ZORN Dallas / IBG Financial Advisors CENTRAL TEXAS LEADERSHIP TEAM DENNY BUCHANAN Lakeway MICHAEL DOSS Williamson County BEN RICHARDS Austin CHARLIE RIGNEY Waco HOUSTON LEADERSHIP TEAM CLAY HOSTER Houston PATRICK BLOSSOM Pearland ERIC CORLEY Kingwood GREGORY GUARINO Tanglewood CLAUDE LEATHERWOOD Sugar Land SHERYL MCKELLAR Humble ANDREW NOVARINI The Woodlands TED NOWAK Memorial JEFF SMITH Veterans MARK TURZILLO Medical Center DENNIS WATSON River Oaks
8 LOCATIONS ANNA AUSTIN CELINA COLLINSVILLE COPPELL DALLAS: LIVE OAK DALLAS: PARKWAY DALLAS: PRESTON CENTER DALLAS: UPTOWN DENISON FARMERSVILLE GEORGETOWN HIGHLAND VILLAGE HOUSTON: CYPRESS STATION HOUSTON: MEDICAL CENTER HOUSTON: MEMORIAL HOUSTON: RIVER OAKS HOUSTON: TANGLEWOOD HOUSTON: VETERANS HOWE HUMBLE KINGWOOD LAKEWAY LAVON LITTLE ELM MANOR MCKINNEY: ADRIATICA MCKINNEY: CRAIG MCKINNEY: REDBUD PEARLAND PLANO PRINCETON PROSPER ROUND ROCK SHERMAN SUGAR LAND THE WOODLANDS VAN ALSTYNE WACO: BOSQUE WACO: WOODWAY WHITEWRIGHT
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