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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)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,572,70312,984,4174.5313,422,2224.48
Loans Held for Sale, before Reserves245,763193,91526.74249,846(6.54)
Loan Loss Reserve76,88676,6530.3076,7030.95
Net Loans Receivable13,741,58013,101,6794.8813,595,3654.30
Intangible Assets1,513,2071,521,556(0.55)1,514,961(0.46)
Total Assets19,645,13318,619,7025.5119,250,4988.20
Deposits14,159,39713,646,1683.7613,994,7494.71
Debt, Senior and Subordinated2,033,5271,563,29530.081,850,43039.58
Common Equity3,286,8913,251,3131.093,251,6244.34
Total Shareholders' Equity3,286,8913,251,3131.093,251,6244.34
Shares Outstanding (actual)102,118,029105,141,170(2.88)102,323,488(0.80)
Income Statement ($000)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Net Interest Income144,168144,0430.09146,705(6.92)
Provision for Loan Losses4,9965,178(3.51)5,823(56.81)
Noninterest Income30,78231,677(2.83)28,99024.73
Noninterest Expense89,42590,452(1.14)91,002(6.93)
Net Income Before Taxes80,97079,6051.7179,7076.34
Provision for Taxes17,32817,899(3.19)15,75739.88
Net Income63,64261,7063.1463,950(1.93)
Per Share Items ($)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Book Value per Share32.1930.924.0931.785.15
Tangible Book Value17.3716.455.5816.979.35
Diluted EPS Before Extra0.620.595.080.620.00
Diluted EPS After Extra0.620.595.080.620.00
Dividends Declared0.34000.34000.000.34000.00
Performance Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
ROAA1.341.35(1)1.331
ROAE7.887.65237.7711
Net Interest Margin3.463.61(15)3.50(4)
Loans / Deposits95.8695.157195.91(5)
Efficiency Ratio50.9951.37(38)51.55(56)
Balance Sheet Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.7810.12(33)9.79(1)
Equity/ Assets16.7317.46(73)16.89(16)
Asset Quality Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.780.97(19)0.83(5)
Loan Loss Reserves/ Gross Loans0.560.58(3)0.560
Loan Loss Reserves/ NPAs55.9744.771,12053.21275
Net Charge-offs/ Avg Loans0.140.16(2)0.18(4)
Regulatory Capital Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio12.0212.38(36)12.16(14)
   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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