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

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Balance Sheet ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,971,3927,670,4503.927,596,59319.74
Loans Held for Sale, before Reserves33,54819,37473.1631,12331.17
Loan Loss Reserve64,44575,091(14.18)74,508(54.02)
Net Loans Receivable7,940,4957,614,7334.287,553,20820.51
Intangible Assets178,872179,083(0.12)178,906(0.08)
Total Assets9,249,0868,970,3753.118,865,62417.30
Deposits6,881,3486,562,5064.866,954,407(4.20)
Debt, Senior and Subordinated1,242,0381,359,392(8.63)815,817208.98
Common Equity1,001,450925,2838.23979,4948.97
Total Shareholders' Equity1,001,450925,2838.23979,4948.97
Shares Outstanding (actual)48,311,22048,009,3790.6348,264,9660.38
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income83,92975,72010.8478,61327.05
Provision for Loan Losses17,6006,200183.8715,63550.27
Noninterest Income11,00312,186(9.71)10,8166.92
Noninterest Expense42,06039,5056.4743,268(11.17)
Net Income Before Taxes35,11242,201(16.80)31,96939.33
Provision for Taxes7,27514,266(49.00)6,20768.83
Net Income27,83727,935(0.35)25,76232.22
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share20.7319.277.5620.298.57
Tangible Book Value17.0315.549.5516.5910.59
Diluted EPS Before Extra0.580.59(1.69)0.5429.63
Diluted EPS After Extra0.580.59(1.69)0.5429.63
Dividends Declared0.16000.15006.670.16000.00
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.241.32(8)1.195
ROAE11.2012.22(102)10.5961
Net Interest Margin3.943.78163.868
Loans / Deposits115.84116.88(104)109.23661
Efficiency Ratio44.4444.96(52)48.40(396)
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.078.49589.22(15)
Equity/ Assets10.8310.315111.05(22)
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.291.25(96)0.65(36)
Loan Loss Reserves/ Gross Loans0.810.98(17)0.98(17)
Loan Loss Reserves/ NPAs235.3066.5016,879127.5310,776
Net Charge-offs/ Avg Loans1.430.101330.6776
Regulatory Capital Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio9.939.068710.06(13)
   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.