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Financial Highlights
Trend Analysis--Annual (click here for Quarterly Analysis)

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Balance Sheet ($000)
 2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Loans Held for Investment, before Reserves13,422,22213,011,4213.1610,341,13725.82
Loans Held for Sale, before Reserves249,846265,955(6.06)8,4453,049.26
Loan Loss Reserve76,70376,6270.1072,7715.30
Net Loans Receivable13,595,36513,200,7492.9910,276,81128.45
Intangible Assets1,514,9611,523,366(0.55)886,72171.80
Total Assets19,250,49819,058,9591.0014,508,89231.36
Deposits13,994,74913,830,5911.1910,796,86728.10
Debt, Senior and Subordinated1,850,4301,841,5640.481,381,57733.29
Common Equity3,251,6243,240,5300.342,235,74744.94
Total Shareholders' Equity3,251,6243,240,5300.342,235,74744.94
Shares Outstanding (actual)102,323,488105,040,648(2.59)81,039,97429.62
Income Statement ($000)
 2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Net Interest Income588,645548,9977.22425,33129.08
Provision for Loan Losses22,01328,406(22.51)24,50915.90
Noninterest Income128,567126,0611.9969,75280.73
Noninterest Expense368,179334,11510.20240,48638.93
Net Income Before Taxes327,165284,82714.86222,65827.92
Provision for Taxes70,823134,246(47.24)75,57577.63
Net Income256,342150,58170.24147,0832.38
Per Share Items ($)
 2018Y2017Y2018/
2017
Ch (%)
2016Y2017/
2016
Ch (%)
Book Value per Share31.7830.853.0127.5911.82
Tangible Book Value16.9716.353.8216.65(1.80)
Diluted EPS Before Extra2.451.5459.091.99(22.61)
Diluted EPS After Extra2.451.5459.091.99(22.61)
Dividends Declared1.36001.33002.261.32000.76
Performance Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
ROAA1.360.85511.10(25)
ROAE7.845.092757.67(258)
Net Interest Margin3.583.5803.62(4)
Loans / Deposits95.9194.0818395.78(170)
Efficiency Ratio51.0153.81(280)49.78403
Balance Sheet Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tangible Equity/ Tangible Assets9.799.7909.90(11)
Equity/ Assets16.8917.00(11)15.41159
Asset Quality Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Nonperforming Assets/ Assets0.831.01(18)1.001
Loan Loss Reserves/ Gross Loans0.560.58(2)0.70(13)
Loan Loss Reserves/ NPAs53.2141.831,13853.43(1,160)
Net Charge-offs/ Avg Loans0.160.19(3)0.27(8)
Regulatory Capital Ratios (%)
 2018Y2017Y2018/
2017
Ch (bp)
2016Y2017/
2016
Ch (bp)
Tier 1 Capital Ratio12.1611.952114.20(225)

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