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

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Balance Sheet ($000)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,635,26613,516,6290.8813,572,7031.84
Loans Held for Sale, before Reserves370,593285,19429.94245,763203.17
Loan Loss Reserve76,40077,135(0.95)76,886(2.53)
Net Loans Receivable13,929,45913,724,6881.4913,741,5805.47
Intangible Assets1,511,4531,518,980(0.50)1,513,207(0.46)
Total Assets19,882,53919,207,6033.5119,645,1334.83
Deposits14,404,08513,830,7664.1514,159,3976.91
Debt, Senior and Subordinated1,972,5471,994,148(1.08)2,033,527(11.99)
Common Equity3,333,8583,242,5652.823,286,8915.72
Total Shareholders' Equity3,333,8583,242,5652.823,286,8915.72
Shares Outstanding (actual)101,963,030104,203,542(2.15)102,118,029(0.61)
Income Statement ($000)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Net Interest Income150,553149,1220.96144,16817.72
Provision for Loan Losses5,4176,204(12.69)4,99633.71
Noninterest Income39,68636,06210.0530,782115.70
Noninterest Expense95,09093,4101.8089,42525.34
Net Income Before Taxes84,73685,515(0.91)80,97018.60
Provision for Taxes17,52919,241(8.90)17,3284.64
Net Income67,20766,2741.4163,64222.41
Per Share Items ($)
 2019 Q22018 Q2Y-Y
Ch (%)
2019 Q1Q-Q
Ch (%)
Book Value per Share32.7031.125.0732.196.33
Tangible Book Value17.8716.548.0617.3711.61
Diluted EPS Before Extra0.660.634.760.6225.81
Diluted EPS After Extra0.660.634.760.6225.81
Dividends Declared0.34000.34000.000.34000.00
Performance Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
ROAA1.381.42(4)1.344
ROAE8.128.1117.8824
Net Interest Margin3.533.67(14)3.467
Loans / Deposits94.6697.73(307)95.86(119)
Efficiency Ratio52.6450.4621850.99165
Balance Sheet Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.929.74189.7814
Equity/ Assets16.7716.88(11)16.734
Asset Quality Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.790.90(11)0.781
Loan Loss Reserves/ Gross Loans0.550.56(1)0.56(1)
Loan Loss Reserves/ NPAs52.9349.3435955.97(304)
Net Charge-offs/ Avg Loans0.170.1700.143
Regulatory Capital Ratios (%)
 2019 Q22018 Q2Y-Y
Ch (bp)
2019 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio12.1712.041312.0215
   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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