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

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Balance Sheet ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves12,984,41710,409,04124.7413,011,421(0.83)
Loans Held for Sale, before Reserves193,9153,5815,315.11265,955(108.35)
Loan Loss Reserve76,65372,8755.1876,6270.14
Net Loans Receivable13,101,67910,339,74726.7113,200,749(3.00)
Intangible Assets1,521,556885,67471.801,523,366(0.48)
Total Assets18,619,70214,762,31526.1319,058,959(9.22)
Deposits13,646,16811,062,32923.3613,830,591(5.33)
Debt, Senior and Subordinated1,563,2951,340,95016.581,841,564(60.44)
Common Equity3,251,3132,252,85944.323,240,5301.33
Total Shareholders' Equity3,251,3132,252,85944.323,240,5301.33
Shares Outstanding (actual)105,141,17081,151,25729.56105,040,6480.38
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income144,043107,62033.84154,856(27.93)
Provision for Loan Losses5,1785,899(12.22)6,977(103.14)
Noninterest Income31,67716,20695.4632,334(8.13)
Noninterest Expense90,20061,61246.4093,996(16.15)
Net Income Before Taxes79,60559,02534.8784,865(24.79)
Provision for Taxes17,89920,216(11.46)66,890(292.96)
Net Income61,70638,80959.0017,975973.15
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share30.9227.7611.3930.850.95
Tangible Book Value16.4516.85(2.35)16.352.55
Diluted EPS Before Extra0.590.4822.920.17988.24
Diluted EPS After Extra0.590.4822.920.17988.24
Dividends Declared0.34000.33003.030.34000.00
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.351.09260.3897
ROAE7.656.98672.17548
Net Interest Margin3.613.43183.77(16)
Loans / Deposits95.1594.0910694.08107
Efficiency Ratio51.6249.1924351.0557
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.129.85269.7932
Equity/ Assets17.4615.2622017.0046
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.971.02(5)1.01(4)
Loan Loss Reserves/ Gross Loans0.580.70(12)0.580
Loan Loss Reserves/ NPAs44.7750.42(565)41.81296
Net Charge-offs/ Avg Loans0.160.22(7)0.160
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio12.3814.29(191)11.9543
   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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