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

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Balance Sheet ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves10,341,1379,384,08010.2010,435,763(3.63)
Loans Held for Sale, before Reserves8,44510,681(20.93)10,957(91.70)
Loan Loss Reserve72,77175,726(3.90)72,6570.63
Net Loans Receivable10,276,8119,319,03510.2810,374,063(3.75)
Intangible Assets886,721728,09221.79891,423(2.11)
Total Assets14,508,89212,577,94415.3514,344,6964.58
Deposits10,796,8679,341,52715.5810,578,3328.26
Debt, Senior and Subordinated1,381,5771,438,277(3.94)1,639,663(62.96)
Common Equity2,235,7471,712,63530.542,028,67940.83
Total Shareholders' Equity2,235,7471,712,63530.542,028,67940.83
Shares Outstanding (actual)81,039,97469,603,09716.4376,439,17324.08
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income113,25397,15516.57111,0697.87
Provision for Loan Losses5,8196,322(7.96)6,988(66.91)
Noninterest Income16,59016,1222.9019,020(51.10)
Noninterest Expense62,01758,6185.8061,8531.06
Net Income Before Taxes61,57850,34022.3260,3258.31
Provision for Taxes22,47216,86433.2518,84676.96
Net Income39,10633,47616.8241,479(22.88)
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share27.5924.6112.1226.5415.80
Tangible Book Value16.6514.1517.6814.8847.55
Diluted EPS Before Extra0.510.486.250.54(22.22)
Diluted EPS After Extra0.510.486.250.54(22.22)
Dividends Declared0.33000.33000.000.33000.00
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.101.0731.17(7)
ROAE7.507.68(18)8.10(60)
Net Interest Margin3.623.5663.566
Loans / Deposits95.78100.46(468)98.65(287)
Efficiency Ratio48.1250.85(273)48.26(14)
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.908.311598.45145
Equity/ Assets15.4113.6217914.14127
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.001.26(26)0.991
Loan Loss Reserves/ Gross Loans0.700.81(10)0.701
Loan Loss Reserves/ NPAs53.4351.4120355.65(222)
Net Charge-offs/ Avg Loans0.220.26(4)0.26(4)
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio14.2011.8723312.15205
   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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