Financial Highlights

Financial Highlights
6/30/2013
6/30/2014
6/30/2015
6/30/2016
NA NA NA NA
Interest Income 135,654 172,878 244,364 317,707
Interest Expense 34,026 35,781 45,419 56,696
Net Interest Income 101,628 137,097 198,945 261,011
FTE Net Interest Income NA NA NA NA
Provision for Loan Losses 7,550 5,350 11,200 9,700
Trading Account Income 1,274 954 (234) (248)
Foreign Exchange Income 0 0 0 0
Trust Revenue 0 0 0 0
Service Charges on Deposits 294 730 1,001 1,078
Gain on Sale of Loans (FAS 140) 24,367 17,007 21,057 26,616
Loan Fees & Charges NA 80 259 (233)
Bank-owned Life Insurance Revenue 179 0 181 184
Insurance Revenue 0 0 0 0
Investment Banking & Brokerage 0 0 0 0
Other Noninterest Income 4,885 6,278 10,104 38,081
Total Noninterest Income 30,999 25,049 32,368 65,478
Realized Gain on Securities (3,289) (2,594) (1,778) 862
Nonrecurring Revenue 0 0 0 0
Compensation & Benefits 28,874 32,240 43,819 66,667
Occupancy & Equipment 3,990 5,198 6,364 9,121
Marketing and Promotion Expense 4,084 3,724 6,060 6,867
Professional Fees 3,531 5,421 4,122 4,700
Tech & Communications Expense 4,104 5,980 6,632 10,348
Amrt of Intang & Goodwill Impair 0 0 0 0
Foreclosure & Repo NA NA NA NA
Other Expense 9,004 7,370 10,481 15,053
Total Noninterest Expense 53,587 59,933 77,478 112,756
Nonrecurring Expense 0 0 0 0
Pre-Provision Net Revenue 79,040 102,213 153,835 213,733
Non-FTE Pre-Provision Net Revenue 79,040 102,213 153,835 213,733
Net Income before Taxes 68,201 94,269 140,857 204,895
Provision for Taxes 27,910 38,313 58,175 85,604
Effective Tax Rate(%) 40.92 40.64 41.30 41.78
Min Int & Oth after-tax Items 0 0 0 0
Extraordinary Items 0 0 0 0
Net Income 40,291 55,956 82,682 119,291
Net Income Attributable to Noncontrolling Int 0 0 0 0
Net Income Attributable to Parent 40,291 55,956 82,682 119,291
Preferred Dividends 835 309 309 309
Other Preferred Dividends after Net Income 0 0 0 0
Other Changes to Net Income 0 0 0 0
Net Income Avail to Common 39,456 55,647 82,373 118,982
Net Income for Diluted EPS 39,989 55,647 82,373 118,982
EPS after Extra($) 0.72 0.96 1.34 1.85
EPS after Extra Growth(%) 24 33.20 39.50 37.80
Pre-Provision Earnings per Share($) 0.92 1.14 1.62 2.16
Comprehensive Income
Net Income 40,291 55,956 82,682 119,291
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0
Total Other Comprehensive Income (5,365) 434 967 2,095
Comprehensive Income 34,926 56,390 83,649 121,386
Interest Income Earned On:
Interest Earned on Loans 113,503 147,664 220,486 291,058
Int Inc: Securities 22,074 24,939 23,367 24,579
Int Inc: Other Earn Assets 77 275 511 2,070
Int Inc: Secs & Oth Earn Assets 22,151 25,214 23,878 26,649
Int Inc: Total Earn Assets 135,654 172,878 244,364 317,707
Interest Expense Incurred On:
Int Exp: CDs 16,469 14,094 14,024 18,056
Int Exp: Other Deposits 6,399 10,723 20,709 24,611
Int Exp: Total Deposits 22,868 24,817 34,733 42,667
Int Exp: Debt 11,158 10,964 10,686 14,029
Int Exp: Total Int-bearing Liab 34,026 35,781 45,419 56,696
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.