Exhibit 99.1
(TEXAS CAPITAL BANCSHARES, INC. LOGO)
For immediate release
January 28, 2009
INVESTOR CONTACT
Myrna Vance, 214.932.6646
myrna.vance@texascapitalbank.com
TEXAS CAPITAL BANCSHARES ANNOUNCES OPERATING RESULTS FOR 2008
DALLAS — January 28, 2009 — Texas Capital Bancshares, Inc. (NASDAQ: TCBI), the parent company of Texas Capital Bank, announced earnings and operating results for the fourth quarter and full year of 2008.
    Loans held for investment grew 16% and total loans grew 24%
 
    Demand deposits grew 11% and total deposits grew 9%
 
    Net income decreased 21% for the year and 47% for the quarter
 
    EPS decreased 25% for the year and 54% for the quarter
“We experienced good loan growth in the fourth quarter, despite the economic downturn and issues affecting our industry” said George Jones, CEO. “With the substantial increase in capital, we enter 2009 in a position to take advantage of opportunities in our marketplace while maintaining our focus on credit quality. Our business model is intact, and we are well positioned to extend our growth strategy. However, the challenging economic conditions affecting the nation and the banking industry make it difficult to formalize guidance for net income for 2009 at this time.”
FINANCIAL SUMMARY
(dollars and shares in thousands)
                         
    2008   2007   % Change
ANNUAL OPERATING RESULTS
                       
Net Income(1)
  $ 24,882     $ 31,353       (21 %)
Diluted EPS(1)
  $ .89     $ 1.18       (25 %)
ROA(1)
    .55 %     .80 %        
ROE(1)
    7.46 %     11.51 %        
Diluted Shares
    28,049       26,679          
                         
    Q4 2008   Q4 2007   % Change
QUARTERLY OPERATING RESULTS
                       
Net Income(1)
  $ 3,487     $ 6,538       (47 %)
Diluted EPS(1)
  $ .11     $ .24       (54 %)
ROA(1)
    .29 %     .63 %        
ROE(1)
    3.61 %     8.88 %        
Diluted Shares
    31,038       26,791          
                         
    2008   2007   % Change
BALANCE SHEET
                       
Total Assets(1)
  $ 5,139,564     $ 4,286,718       20 %
Demand Deposits
    587,161       529,334       11 %
Total Deposits
    3,333,187       3,066,377       9 %
Loans Held for Investment
    4,027,871       3,462,608       16 %
Total Loans(1)
    4,524,222       3,636,774       24 %
Stockholders’ Equity
    387,073       295,138       31 %
 
(1)   From continuing operations

1


The following information was filed by Texas Capital Bancshares Inctx (TCBI) on Thursday, January 29, 2009 as an 8K 2.02 statement, which is an earnings press release pertaining to results of operations and financial condition. It may be helpful to assess the quality of management by comparing the information in the press release to the information in the accompanying 10-K Annual Report statement of earnings and operation as management may choose to highlight particular information in the press release.

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