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

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Balance Sheet ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,276,74013,140,4681.0413,516,629(7.10)
Loans Held for Sale, before Reserves234,196315,031(25.66)285,194(71.53)
Loan Loss Reserve76,94174,9262.6977,135(1.01)
Net Loans Receivable13,433,99513,380,5730.4013,724,688(8.47)
Intangible Assets1,516,9711,535,133(1.18)1,518,980(0.53)
Total Assets19,187,64319,129,9780.3019,207,603(0.42)
Deposits14,091,17213,875,2971.5613,830,7667.53
Debt, Senior and Subordinated1,698,8791,856,282(8.48)1,994,148(59.23)
Common Equity3,251,1283,263,843(0.39)3,242,5651.06
Total Shareholders' Equity3,251,1283,263,843(0.39)3,242,5651.06
Shares Outstanding (actual)103,805,836104,983,126(1.12)104,203,542(1.53)
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income148,775150,276(1.00)149,122(0.93)
Provision for Loan Losses4,8087,279(33.95)6,204(90.01)
Noninterest Income31,83837,762(15.69)36,062(46.85)
Noninterest Expense93,31595,878(2.67)93,410(0.41)
Net Income Before Taxes82,33884,574(2.64)85,515(14.86)
Provision for Taxes17,92627,836(35.60)19,241(27.34)
Net Income64,41256,73813.5366,274(11.24)
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share31.3231.090.7431.122.59
Tangible Book Value16.7116.471.4516.544.00
Diluted EPS Before Extra0.620.5414.810.63(6.35)
Diluted EPS After Extra0.620.5414.810.63(6.35)
Dividends Declared0.34000.33003.030.34000.00
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.341.19151.42(8)
ROAE7.836.89948.11(28)
Net Interest Margin3.563.65(9)3.67(11)
Loans / Deposits94.2294.70(48)97.73(351)
Efficiency Ratio51.7151.274450.46125
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.819.83(1)9.747
Equity/ Assets16.9417.06(12)16.886
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.861.02(16)0.90(4)
Loan Loss Reserves/ Gross Loans0.570.5610.561
Loan Loss Reserves/ NPAs51.6843.3283649.34234
Net Charge-offs/ Avg Loans0.150.16(1)0.17(2)
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio12.4011.994112.0436
   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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