The Dallas-based lender said it classified about $480 million worth of energy loans as “criticized” in the quarter, meaning the bank had concerns about the borrowers’ financial condition. The bank said non-accrual loans and charge-offs, where the lender is uncertain the loan will be paid back on time or has given up on collecting, remained low. “Energy is still getting worse at a relatively quick pace,” John Pancari, an analyst at Evercore ISI, said of the bank’s results. But the bank “didn’t see losses spike and they didn’t have to add to their reserves in a big way.” More than $1 billion of the bank’s $3.2 billion in energy loans and $615 million worth of loans in other businesses that are closely tied to energy are now classified as criticized. That energy exposure, about 8% of the bank’s $49 billion in overall loans, was relatively high among big regional […]