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

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Balance Sheet ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,828,4127,751,2331.007,971,392(7.17)
Loans Held for Sale, before Reserves22,17525,955(14.56)33,548(135.60)
Loan Loss Reserve66,35470,044(5.27)64,44511.85
Net Loans Receivable7,784,2337,707,1441.007,940,495(7.87)
Intangible Assets178,838179,022(0.10)178,872(0.08)
Total Assets9,082,7929,068,6120.169,249,086(7.19)
Deposits6,779,7586,760,3680.296,881,348(5.91)
Debt, Senior and Subordinated1,107,6151,213,619(8.73)1,242,038(43.29)
Common Equity1,039,599950,0929.421,001,45015.24
Total Shareholders' Equity1,039,599950,0929.421,001,45015.24
Shares Outstanding (actual)48,491,16948,040,0590.9448,311,2201.49
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income85,66778,9648.4983,9298.28
Provision for Loan Losses2,7007,300(63.01)17,600(338.64)
Noninterest Income12,44511,8964.6111,00352.42
Noninterest Expense40,88540,1671.7942,060(11.17)
Net Income Before Taxes54,04643,73823.5735,112215.70
Provision for Taxes11,22515,029(25.31)7,275217.18
Net Income42,82128,70949.1627,837215.31
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share21.4419.788.4020.7313.70
Tangible Book Value17.7516.0510.5917.0317.01
Diluted EPS Before Extra0.890.6145.900.58213.79
Diluted EPS After Extra0.890.6145.900.58213.79
Dividends Declared0.16000.15006.670.16000.00
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.871.29581.2463
ROAE16.7612.2145511.20556
Net Interest Margin3.903.72183.94(4)
Loans / Deposits115.47114.6681115.84(37)
Efficiency Ratio42.4644.19(173)44.44(198)
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.678.67999.0760
Equity/ Assets11.4510.489710.8362
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.201.00(80)0.29(9)
Loan Loss Reserves/ Gross Loans0.850.90(6)0.814
Loan Loss Reserves/ NPAs345.4077.3526,805235.3011,010
Net Charge-offs/ Avg Loans0.040.67(62)1.43(139)
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio10.609.321289.9367
   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.