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

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Balance Sheet ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,516,62913,392,4780.9312,984,41716.40
Loans Held for Sale, before Reserves285,194339,403(15.97)193,915188.29
Loan Loss Reserve77,13572,9835.6976,6532.52
Net Loans Receivable13,724,68813,658,8980.4813,101,67919.02
Intangible Assets1,518,9801,538,640(1.28)1,521,556(0.68)
Total Assets19,207,60319,035,6000.9018,619,70212.63
Deposits13,830,76613,971,221(1.01)13,646,1685.41
Debt, Senior and Subordinated1,994,1481,685,85318.291,563,295110.24
Common Equity3,242,5653,237,4210.163,251,313(1.08)
Total Shareholders' Equity3,242,5653,237,4210.163,251,313(1.08)
Shares Outstanding (actual)104,203,542104,946,351(0.71)105,141,170(3.57)
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income149,122136,2459.45144,04314.10
Provision for Loan Losses6,2048,251(24.81)5,17879.26
Noninterest Income36,06239,759(9.30)31,67755.37
Noninterest Expense93,41082,62913.0590,45213.08
Net Income Before Taxes85,51556,36351.7279,60529.70
Provision for Taxes19,24119,304(0.33)17,89929.99
Net Income66,27437,05978.8361,70629.61
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share31.1230.850.8730.922.51
Tangible Book Value16.5416.192.1816.452.16
Diluted EPS Before Extra0.630.3770.270.5927.12
Diluted EPS After Extra0.630.3770.270.5927.12
Dividends Declared0.34000.33003.030.34000.00
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.420.82601.357
ROAE8.114.933187.6546
Net Interest Margin3.673.44233.616
Loans / Deposits97.7395.8618795.15258
Efficiency Ratio50.4663.44(1,298)51.37(91)
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.749.71410.12(37)
Equity/ Assets16.8817.01(13)17.46(58)
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.900.96(6)0.97(7)
Loan Loss Reserves/ Gross Loans0.560.5330.58(2)
Loan Loss Reserves/ NPAs49.3141.9773444.77454
Net Charge-offs/ Avg Loans0.170.25(8)0.161
Regulatory Capital Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio12.0411.446012.38(34)
   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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