LOTS OF GROWTHA Letter From Our Chairman

January 15, 2013

Texas Regional Bank will close out 2012 with great accomplishments. By the end of the year we will have met our three year goal of opening banking centers in three major markets in the Rio Grande Valley: Harlingen, McAllen and Brownsville. Assets of the bank will be approximately $130 million and will demonstrate a growth rate above 50% annually in most categories for 2012.
Additionally, in 2012 we were recognized as one of the safest banks in America by MNS Money. Our perfect score on the “Texas Ratio” put Texas Regional Bank in the top 359 banks out of 7,300 that were scored. We were the only bank headquartered in the Valley to receive this distinction.

Sometimes it is difficult to grasp the changes that occur to a rapidly growing organization so here are a few key figures to demonstrate the dynamic growth that Texas Regional Bank has experienced in the 32 months since we began this venture. In May of 2010 when we purchased Falfurrias State Bank our average monthly revenue was $75,000, today it is in excess of $450,000 per month. We began with 2,500 deposit accounts and today we have more than 5,100. Our asset size with one location was $16 million and today our assets are in excess of $130 million with 4 locations.

We are very proud of these accomplishments. I wish everyone a safe and joyful holiday season.
Merry Christmas & Happy New Year!

Michael Scaief
Chairman

*image for illustrative purposes only