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Balance Sheet

Financial Highlights
3/31/2017
3/31/2018
6/30/2018
12/31/2018
Assets ($000)
Cash and Due from Banks 15,686 20,058 23,961 21,875
Fed Funds Sold 0 0 0 0
Deposits at Financial Institutions 394,595 326,646 361,730 369,717
Securities Purchased, to Resell 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0
Cash and Cash Equivalents 410,281 346,704 385,691 391,592
Trading Account Securities 0 0 0 0
Available for Sale Securities 2,434,541 2,424,593 2,297,124 1,992,500
Held to Maturity Securities 863,269 0 0 0
Other Securities 63,238 82,715 75,737 68,094
Total Cash & Securities 3,771,329 2,854,012 2,758,552 2,452,186
Gross Loans Held for Investment 6,105,321 6,930,507 7,036,004 7,700,873
Loan Loss Reserve 42,736 54,763 56,678 62,192
Loans Held for Sale, before Reserves 228,196 20,180 13,753 8,116
Total Net Loans 6,290,781 6,895,924 6,993,079 7,646,797
Real Estate Owned and Held for Investment 50,978 49,368 45,516 29,660
Goodwill 37,144 37,144 37,144 37,144
Core Deposit Intangibles 12,191 8,510 7,683 6,346
Other Intangibles 0 0 1,807 1,658
Intangible Assets other than Goodwill 12,191 8,510 9,490 8,004
Total Intangible Assets 49,335 45,654 46,634 45,148
Loan Servicing Rights 42,833 4,953 2,062 1,770
Credit Card Rights 0 0 0 0
Other Loan Servicing Rights 1,618 1,786 NA NA
Total Servicing Rights 44,451 6,739 NA NA
Fixed Assets 146,631 135,198 135,478 129,394
Interest Receivable 35,051 36,941 37,138 38,807
Prepaid Expense 15,794 15,821 13,787 14,848
Bank-owned Life Insurance 103,093 105,384 105,917 107,027
Other Assets 544,642 184,278 181,117 164,430
Total Other Assets 845,211 477,622 473,437 454,506
Total Assets 11,052,085 10,329,319 10,319,280 10,630,067
Memo: Consolidated VIE Assets 0 0 0 0
Memo: Covered Loans 0 0 0 0
Memo: Covered OREO 0 0 0 0
Memo: Covered Securities 0 0 0 0
Memo: Covered Assets 0 0 0 0
Liabilities ($000)
Total Deposits 8,597,693 7,110,165 7,135,794 7,916,644
FHLB Borrowings 1,080,000 1,905,000 1,805,000 1,520,000
Senior Debt 1,347,042 2,077,966 1,978,017 1,693,174
Trust Preferred (FAS 150) 0 0 0 0
Total Subordinated Debt 1,349 0 0 0
Redeemable Financial Instruments (FAS 150) 0 0 0 0
Total Debt 1,348,391 2,077,966 1,978,017 1,693,174
Total Other Liabilities 120,253 147,432 216,781 74,715
Total Liabilities 10,066,337 9,335,563 9,330,592 9,684,533
Memo: Consolidated VIE Liabilities 0 0 0 0
Mezzanine ($000)
Redeemable Preferred 0 0 0 0
Trust Preferred Securities 0 0 0 0
Total Minority Interest 0 0 0 0
Other Mezzanine Items 0 0 0 0
Total Mezzanine Level Items 0 0 0 0
Equity ($000)
TARP Preferred Equity 0 0 0 0
Other Preferred Equity 269,071 269,071 269,071 231,128
Total Preferred Equity 269,071 269,071 269,071 231,128
Common Equity 716,677 724,685 719,617 714,406
Equity Attributable to Parent Company 985,748 993,756 988,688 945,534
Noncontrolling Interests 0 0 0 0
Total Equity 985,748 993,756 988,688 945,534
Net Unrealized Gain (9,702) (11,542) (19,370) (24,117)
Tot Acc Other Comprehensive Inc (9,702) (11,542) (19,370) (24,117)
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 55.24 67.10 68.18 72.44
Loans/ Deposits 71.01 97.47 98.60 97.27
Loan Loss Reserves/ Gross Loans 0.67 0.79 0.80 0.81
Reserves/ Loans Held For Investment 0.70 0.79 0.81 0.81
One Year Gap/ Assets NA NA NA NA
1-4 Loans Serviced for Others($000) 4,150,582 591,164 233,208 204,006
Level 1 Assets($000) 0 0 0 0
Level 2 Assets($000) 2,801,049 2,431,624 2,304,325 1,996,174
Level 3 Assets($000) 111,231 48,923 35,576 27,036
Level 1 Liabilities($000) 0 0 0 0
Level 2 Liabilities($000) 4,086 1,136 1,650 1,600
Level 3 Liabilities($000) 0 0 0 0
FTE Employees(actual) 1,719 776 736 736
Annualized Growth Rates (%)
Asset Growth 0.81 0.06 (0.39) 2.93
Gross Loans HFI Growth 4.68 16.28 6.09 15.64
Deposit Growth (23.82) (10.02) 1.44 8.55
Average Balances ($000)
Avg Gross Loans HFI 6,085,342 6,708,181 7,000,288 7,051,843
Avg Loans HFS 699,671 97,095 54,791 56,757
Average Loans, Gross of Reserves 6,785,013 6,805,276 7,055,079 7,108,600
Avg Securities 3,376,698 2,525,220 2,279,416 2,248,488
Avg Other Int Earn Assets 500,123 407,064 392,342 362,927
Avg Secs & Other Int Earn Assets 3,876,821 2,932,284 2,671,758 2,611,415
Avg Interest Earning Assets 10,661,834 9,737,560 9,726,837 9,720,015
Avg Assets 11,188,806 10,263,233 10,237,158 10,224,913
Avg CDs 1,937,392 1,906,556 2,079,932 2,272,093
Avg Other Interest-bearing Deposits 5,786,669 4,107,615 4,012,829 3,963,375
Avg Interest-bearing Deposits 7,724,061 6,014,171 6,092,761 6,235,468
Avg Debt 1,058,607 2,005,056 2,031,510 1,841,284
Avg Interest-bearing Liabs 8,782,668 8,019,227 8,124,271 8,076,752
Avg Noninterest-bearing Deposits 1,181,279 1,056,700 1,004,502 1,034,937
Avg Total Deposits 8,905,340 7,070,871 7,097,263 7,270,405
Avg Preferred Equity 269,071 269,071 269,071 257,428
Avg Common Equity 732,713 750,890 731,785 737,892
Avg Equity 1,001,784 1,019,961 1,000,856 995,320
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