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

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Balance Sheet ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,810,4187,118,5139.727,751,2333.05
Loans Held for Sale, before Reserves16,70721,279(21.49)25,955(142.52)
Loan Loss Reserve71,30164,57610.4170,0447.18
Net Loans Receivable7,755,8247,075,2169.627,707,1442.53
Intangible Assets178,961179,224(0.15)179,022(0.14)
Total Assets9,086,1968,362,2558.669,068,6120.78
Deposits6,767,6836,365,4766.326,760,3680.43
Debt, Senior and Subordinated1,262,3611,054,40519.721,213,61916.07
Common Equity959,874885,3658.42950,0924.12
Total Shareholders' Equity959,874885,3658.42950,0924.12
Shares Outstanding (actual)48,117,39047,876,1980.5048,040,0590.64
Income Statement ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income80,19974,0848.2578,9646.26
Provision for Loan Losses3,9007,500(48.00)7,300(186.30)
Noninterest Income6,90112,283(43.82)11,881(167.66)
Noninterest Expense40,55139,8811.6840,1523.97
Net Income Before Taxes42,64938,9809.4143,738(9.96)
Provision for Taxes27,98913,675104.6715,029344.93
Net Income14,66025,305(42.07)28,709(195.74)
Per Share Items ($)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share19.9518.497.8719.783.47
Tangible Book Value16.2314.7510.0316.054.46
Diluted EPS Before Extra0.310.54(42.59)0.61(196.72)
Diluted EPS After Extra0.310.54(42.59)0.61(196.72)
Dividends Declared0.16000.15006.670.150026.67
Performance Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA0.661.20(54)1.29(63)
ROAE6.0911.50(541)12.21(612)
Net Interest Margin3.783.68103.717
Loans / Deposits115.41111.83358114.6675
Efficiency Ratio46.7445.799544.19255
Balance Sheet Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.778.63148.679
Equity/ Assets10.5610.59(2)10.489
Asset Quality Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.131.46(33)1.0013
Loan Loss Reserves/ Gross Loans0.910.9010.901
Loan Loss Reserves/ NPAs68.8252.641,61877.03(821)
Net Charge-offs/ Avg Loans0.140.01120.67(53)
Regulatory Capital Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio9.549.28269.3222
   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.