Financial Highlights

Financial Highlights
6/30/2012
6/30/2013
6/30/2014
6/30/2015
NA NA NA NA
Interest Income 115,733 135,654 172,878 244,364
Interest Expense 36,545 34,026 35,781 45,419
Net Interest Income 79,188 101,628 137,097 198,945
FTE Net Interest Income NA NA NA NA
Provision for Loan Losses 8,063 7,550 5,350 11,200
Trading Account Income 785 1,274 954 (234)
Foreign Exchange Income 0 0 0 0
Trust Revenue NA 0 0 0
Service Charges on Deposits NA 294 730 1,001
Gain on Sale of Loans (FAS 140) 16,159 24,367 17,007 21,057
Loan Fees & Charges NA NA 80 259
Bank-owned Life Insurance Revenue 179 179 0 181
Insurance Revenue NA 0 0 0
Investment Banking & Brokerage NA 0 0 0
Other Noninterest Income 2,050 4,885 6,278 10,104
Total Noninterest Income 19,173 30,999 25,049 32,368
Realized Gain on Securities (2,803) (3,289) (2,594) (1,778)
Nonrecurring Revenue 0 0 0 0
Compensation & Benefits 20,339 28,874 32,240 43,819
Occupancy & Equipment 2,449 3,990 5,198 6,364
Marketing and Promotion Expense 2,703 4,084 3,724 6,060
Professional Fees 2,213 3,531 5,421 4,122
Tech & Communications Expense 2,251 4,104 5,980 6,632
Amrt of Intang & Goodwill Impair 0 0 0 0
Foreclosure & Repo 1,878 NA NA NA
Other Expense 6,125 9,004 7,370 10,481
Total Noninterest Expense 37,958 53,587 59,933 77,478
Nonrecurring Expense 0 0 0 0
Pre-Provision Net Revenue 60,403 79,040 102,213 153,835
Non-FTE Pre-Provision Net Revenue 60,403 79,040 102,213 153,835
Net Income before Taxes 49,537 68,201 94,269 140,857
Provision for Taxes 20,061 27,910 38,313 58,175
Effective Tax Rate(%) 40.50 40.92 40.64 41.30
Min Int & Oth after-tax Items 0 0 0 0
Extraordinary Items 0 0 0 0
Net Income 29,476 40,291 55,956 82,682
Net Income Attributable to Noncontrolling Int 0 0 0 0
Net Income Attributable to Parent 29,476 40,291 55,956 82,682
Preferred Dividends 1,271 835 309 309
Other Preferred Dividends after Net Income 0 0 0 0
Other Changes to Net Income 0 0 0 0
Net Income Avail to Common 28,205 39,456 55,647 82,373
Net Income for Diluted EPS 29,160 39,989 55,647 82,373
EPS after Extra($) 0.58 0.72 0.96 1.34
EPS after Extra Growth(%) 24.60 24 33.20 39.50
Pre-Provision Earnings per Share($) 0.78 0.92 1.14 1.62
Comprehensive Income
Net Income 29,476 40,291 55,956 82,682
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0
Total Other Comprehensive Income (4,464) (5,365) 434 967
Comprehensive Income 25,012 34,926 56,390 83,649
Interest Income Earned On:
Interest Earned on Loans 89,308 113,503 147,664 220,486
Int Inc: Securities 26,415 22,074 24,939 23,367
Int Inc: Other Earn Assets 10 77 275 511
Int Inc: Secs & Oth Earn Assets 26,425 22,151 25,214 23,878
Int Inc: Total Earn Assets 115,733 135,654 172,878 244,364
Interest Expense Incurred On:
Int Exp: CDs 20,501 16,469 14,094 14,024
Int Exp: Other Deposits 4,388 6,399 10,723 20,709
Int Exp: Total Deposits 24,889 22,868 24,817 34,733
Int Exp: Debt 11,656 11,158 10,964 10,686
Int Exp: Total Int-bearing Liab 36,545 34,026 35,781 45,419
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.