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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,855,55813,572,7032.0813,712,1294.18
Loans Held for Sale, before Reserves503,514245,763104.88387,514119.74
Loan Loss Reserve154,92376,886101.5077,057404.20
Net Loans Receivable14,204,14913,741,5803.3714,022,5865.18
Intangible Assets1,506,3681,513,207(0.45)1,507,945(0.42)
Total Assets20,370,65319,645,1333.6919,662,32414.41
Deposits14,014,16814,159,397(1.03)13,852,4214.67
Debt, Senior and Subordinated2,748,2092,033,52735.142,274,02583.41
Common Equity3,343,7023,286,8911.733,363,833(2.39)
Total Shareholders' Equity3,343,7023,286,8911.733,363,833(2.39)
Shares Outstanding (actual)101,723,600102,118,029(0.39)101,553,6710.67
Income Statement ($000)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Net Interest Income141,518144,168(1.84)141,2830.67
Provision for Loan Losses27,1194,996442.815,8671,448.92
Noninterest Income35,42030,78215.0735,453(0.37)
Noninterest Expense99,57389,42511.3596,31113.55
Net Income Before Taxes50,07280,970(38.16)75,758(135.62)
Provision for Taxes9,88917,328(42.93)12,473(82.87)
Net Income40,18363,642(36.86)63,285(146.02)
Per Share Items ($)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Book Value per Share32.8732.192.1233.12(3.06)
Tangible Book Value18.0617.373.9918.27(4.66)
Diluted EPS Before Extra0.400.62(35.48)0.62(141.94)
Diluted EPS After Extra0.400.62(35.48)0.62(141.94)
Dividends Declared0.35000.34002.940.35000.00
Performance Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
ROAA0.821.34(52)1.29(47)
ROAE4.827.88(306)7.42(260)
Net Interest Margin3.303.46(16)3.291
Loans / Deposits98.8795.8630198.99(12)
Efficiency Ratio56.7150.6860354.28243
Balance Sheet Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.749.78(4)10.22(48)
Equity/ Assets16.4116.73(32)17.11(69)
Asset Quality Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.730.78(5)0.75(2)
Loan Loss Reserves/ Gross Loans1.080.56520.5553
Loan Loss Reserves/ NPAs109.6055.975,36356.215,339
Net Charge-offs/ Avg Loans0.190.1450.172
Regulatory Capital Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio12.2612.022412.53(27)
   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.



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