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Message Q3 2024PRTNRSQ1 2025TIB Family NewsSPRINTING INTO 2025YTD Partner News Around the Bank• Quarterly Highlights• New Customers• New Partners• Promotions• Partner Spotlight• Summer Contest!• Medicare Q/A
YTD• Memo from Michael• Financial Highlights• Charting Our CourseInterest IncomeInterest Income $41,682$41,682Interest ExpenseInterest Expense 23,41523,415 Net Interest Income Net Interest Income 18,26718,267Loan Loss ProvisionLoan Loss Provision 893893 NII after Provision NII after Provision 17,37417,374Noninterest IncomeNoninterest Income 22,49022,490Noninterest ExpenseNoninterest Expense 25,82925,829 Net Income before Tax Net Income before Tax 14,03514,035Income TaxIncome Tax 2,5862,586NET INCOMENET INCOME $11,449$11,449Q1 Financial Highlights (000s)(As of 3/31/25)Message from Michael...What an incredible start to 2025! Thanks to you, from an operating standpoint, the rst quarter of this year was the best in TIB’s over 40 year history. And, as you can tell by the graph on the right, we are ahead of our forecast. I can’t wait to see what the coming months bring for both TIB and our partner banks.The theme for our 2024 Annual Report was “Flywheel to Fortress.” If you’ve read the Jim Collins book, Good to Great,* you are familiar with the “Flywheel” concept. This is when an organization develops incredible momentum from all of its positive actions, then perpetuates its ownsuccesses. I believe we are experiencing that eect now.As for the “fortress” part of that theme, we are focused on making TIB an impenetrable fortress of nancial strength for decades to come. Cash is king and we plan on continuing to build our capital. In fact, our goal is to amass $500 million in capital by 2029. With this level of capital, TIB will ALWAYS be here for our partner banks and whatever the economy may throw at us.Thank you for all of the day-to-day things you do to make TIB the best correspondent provider in the country and, for that matter, the world! No other organization even approaches what we do for community banks or how we consistently do it. That is what powers the ywheel and what will continue to build the fortress.*If you have not read “Good to Great,” let Kara Ellis know and we will provide you with a free copy!Key RatiosKey Ratios TIBTIBWellWellCapitalizedCapitalizedBasel IIIBasel IIILeverage RatioLeverage Ratio 12.79%12.79% 5.00%5.00% 4.00%4.00%CET 1 Capital RatioCET 1 Capital Ratio 17.03%17.03% 6.50%6.50% 7.00%7.00%Tier 1 Capital RatioTier 1 Capital Ratio 17.03%17.03% 8.00%8.00% 8.50%8.50%Total Capital RatioTotal Capital Ratio 18.20%18.20% 10.00%10.00% 10.50%10.50%Texas RatioTexas Ratio 1.42%1.42%$8,652 $10,560 $11,449 2021 2022 2025Best First Quarters in TIB History(Operating Income | $000s)Q1 of 2025 was the best rst quarter in TIB’s 43-year history!
PROMOTIONSLeilani MarianoCollateral ProcessorLoan OperationsWELCOME “HOME”(New Partners During First Quarter)Lori AndersonCompliance Engagement Ldr.TIB Consulting SolutionsAugusta BellMerchant Solutions Mgr.Merchant ServicesReginia DilworthMerchant Cust. Svc. SpecialistMerchant ServicesDaniel JacksonInformation Security AnalystIT DepartmentPriyanka NautiyalHR Associate (Temp)Human ResourcesSteve YorkSr. Credit Risk Specialist (PT)TIB Consulting SolutionsEric AdcockWeb Developer IIIIT DepartmentStacy EsplenBanking OcerLending AdministrationTeresa LeeBanking OcerFinanceCharita MitchellLoan Administration AssociateLoan OperationsPhilip RicksLending Ocer/UnderwriterLending Administration
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PARTNER SPOTLIGHTCongratulations toJulie Pachecoon earning the prestigious certication ofCertied Anti-Money Laundering Specialist While the rest of us were enjoying our Presidents Day Holiday, Julie Pacheco spent her day at a testing facility - the culmination of months’ worth of study towards her “Certied Anti-Money Laundering Specialist” in the ACAMS program. Julie successfully passed her test on the rst try. Given the comprehensive nature of this test, candidates have three chances to pass. Doing so on the rst try is quite an accomplishment! Since many of us may not be familiar with the CAMS certication, here are a few facts: 1. CAMS stands for “Certied Anti-Money Laundering Specialist” and is a professional credential awarded by the Association of Certied Anti-Money Laundering Specialists (ACAMS), signifying expertise in identifying, preventing, and investigating money laundering activities. It is widely considered the “gold standard” in the eld of anti-money laundering compliance globally. 2. To earn a CAMS certication, individuals must pass a rigorous exam covering AML laws, risk assessment, customer due diligence, transaction monitoring, suspicious activity reporting, and more. 3. A CAMS certication is highly valued by nancial institutions, regulatory bodies, and employers in the compliance eld, as it demonstrates a professional’s commitment to upholding high standards in AML prevention.WELL DONE, TRUSTED PARTNER!Thank you for your commitment to TIB and our Partner Banks!
Whether you vacation or staycation, take a photo of your TIB backpack enjoying a break! Maybe it’s at the sacred grounds of the Alamo or cooling off at Schlitterbahn or looking up at the Eiffel Tower. Be creative! Wherever you go this summer, take your TIB backpack with you, snap a pic, and post it to the photo contest album in TIBCentral. Three winners will be selected, plus a “People’s Choice Award.”RULES:- Post original work only. No AI photos. (We don’t use AI at TIB)- Label your photo with first and last name and location- Take your backpack - not your laptop (Laptops cannot leave the country)- All submissions are due by August 15, 2025Where Will YOU Take TIB?SUMMER PHOTO CONTEST!
Medicare:You Have Questions?We Have Answers!TIB’s insurance partner, USI now provides TIB employees with answers to your Medicare questions. If you are looking ahead and interested in learning more about Medicare and how it works, please join us on June 26 at 2pm in the Employee Event Room. Spouses are welcome to attend. Get Answers to Your Questions:• How and when do I enroll in Medicare?• What is Medicare Part A, B, C, and D?• How much will it cost?• Which insurance plan is right for me?• Will my doctors, hospital, and prescriptions be covered?If you are unable to attend, don’t worry. Please feel free to reach out to Kyle DePeppe with your questions at 631-961-5204 or kyle.depeppe@mybenetadvisors.com.June 26, 20252 PMEmployee Event Room3rd Floor