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

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Balance Sheet ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,140,46810,435,76325.9213,392,478(7.53)
Loans Held for Sale, before Reserves315,03110,9572,775.16339,403(28.72)
Loan Loss Reserve74,92672,6573.1272,98310.65
Net Loans Receivable13,380,57310,374,06328.9813,658,898(8.15)
Intangible Assets1,535,133891,42372.211,538,640(0.91)
Total Assets19,129,97814,344,69633.3619,035,6001.98
Deposits13,875,29710,578,33231.1713,971,221(2.75)
Debt, Senior and Subordinated1,856,2821,639,66313.211,685,85340.44
Common Equity3,263,8432,028,67960.893,237,4213.26
Total Shareholders' Equity3,263,8432,028,67960.893,237,4213.26
Shares Outstanding (actual)104,983,12676,439,17337.34104,946,3510.14
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income150,276111,06935.30136,24541.19
Provision for Loan Losses7,2796,9884.168,251(47.12)
Noninterest Income37,76219,02098.5439,759(20.09)
Noninterest Expense95,87861,85355.0182,62964.14
Net Income Before Taxes84,57460,32540.2056,363200.21
Provision for Taxes27,83618,84647.7019,304176.79
Net Income56,73841,47936.7937,059212.41
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share31.0926.5417.1430.853.12
Tangible Book Value16.4714.8810.6816.196.90
Diluted EPS Before Extra0.540.540.000.37183.78
Diluted EPS After Extra0.540.540.000.37183.78
Dividends Declared0.33000.33000.000.33000.00
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA1.191.1720.8237
ROAE6.898.10(121)4.93196
Net Interest Margin3.653.5693.4421
Loans / Deposits94.7098.65(395)95.86(115)
Efficiency Ratio51.2748.2630163.44(1,217)
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.838.451379.7112
Equity/ Assets17.0614.1429217.015
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.020.9930.966
Loan Loss Reserves/ Gross Loans0.560.70(14)0.533
Loan Loss Reserves/ NPAs43.3255.65(1,234)41.97134
Net Charge-offs/ Avg Loans0.160.26(10)0.25(9)
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio11.9912.15(16)11.4455
   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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