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

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Balance Sheet ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,115,0586,298,35612.977,118,513(0.19)
Loans Held for Sale, before Reserves19,31517,6159.6521,279(36.92)
Loan Loss Reserve70,65655,48427.3464,57637.66
Net Loans Receivable7,063,7176,260,48712.837,075,216(0.65)
Intangible Assets179,144181,700(1.41)179,224(0.18)
Total Assets8,436,5427,562,12611.568,362,2553.55
Deposits6,379,6465,302,84920.316,365,4760.89
Debt, Senior and Subordinated1,041,2301,355,815(23.20)1,054,405(5.00)
Common Equity899,917823,0529.34885,3656.57
Total Shareholders' Equity899,917823,0529.34885,3656.57
Shares Outstanding (actual)47,940,13347,645,8260.6247,876,1980.53
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income76,54865,35117.1374,08413.30
Provision for Loan Losses22,7008,800157.957,500810.67
Noninterest Income10,84510,7640.7512,283(46.83)
Noninterest Expense39,35337,5424.8239,881(5.30)
Net Income Before Taxes26,62533,664(20.91)38,980(126.78)
Provision for Taxes8,43511,582(27.17)13,675(153.27)
Net Income18,19022,082(17.63)25,305(112.47)
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share18.7717.278.6718.496.03
Tangible Book Value15.0313.4611.6914.757.74
Diluted EPS Before Extra0.380.48(20.83)0.54(118.52)
Diluted EPS After Extra0.380.48(20.83)0.54(118.52)
Dividends Declared0.15000.14007.140.15000.00
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA0.891.23(34)1.20(31)
ROAE8.0810.79(271)11.50(342)
Net Interest Margin4.013.9293.6833
Loans / Deposits111.53118.77(725)111.83(30)
Efficiency Ratio44.8349.32(449)45.79(96)
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.738.6948.6310
Equity/ Assets10.6710.88(22)10.598
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.430.75681.46(3)
Loan Loss Reserves/ Gross Loans0.990.88110.909
Loan Loss Reserves/ NPAs58.1596.58(3,843)52.64551
Net Charge-offs/ Avg Loans0.970.03940.0196
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio9.449.67(23)9.2816
   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.