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

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Balance Sheet ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,751,2337,105,8039.087,670,4504.21
Loans Held for Sale, before Reserves25,95523,18411.9519,374135.87
Loan Loss Reserve70,04457,31822.2075,091(26.88)
Net Loans Receivable7,707,1447,071,6698.997,614,7334.85
Intangible Assets179,022179,311(0.16)179,083(0.14)
Total Assets9,068,6128,440,0107.458,970,3754.38
Deposits6,760,3686,128,07510.326,562,50612.06
Debt, Senior and Subordinated1,213,6191,343,539(9.67)1,359,392(42.89)
Common Equity950,092866,8459.60925,28310.72
Total Shareholders' Equity950,092866,8459.60925,28310.72
Shares Outstanding (actual)48,040,05947,773,1600.5648,009,3790.26
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income78,96473,4807.4675,72017.14
Provision for Loan Losses7,3002,300217.396,20070.97
Noninterest Income11,88112,771(6.97)12,325(14.41)
Noninterest Expense40,15240,841(1.69)39,6445.13
Net Income Before Taxes43,73841,6165.1042,20114.57
Provision for Taxes15,02914,3994.3814,26621.39
Net Income28,70927,2175.4827,93511.08
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share19.7818.158.9919.2710.46
Tangible Book Value16.0514.3911.5315.5413.07
Diluted EPS Before Extra0.610.585.170.5913.56
Diluted EPS After Extra0.610.585.170.5913.56
Dividends Declared0.15000.15000.000.15000.00
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA1.291.33(4)1.32(3)
ROAE12.2112.66(45)12.22(1)
Net Interest Margin3.723.79(7)3.78(6)
Loans / Deposits114.66115.95(130)116.88(223)
Efficiency Ratio44.1946.81(262)44.96(77)
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.678.32358.4919
Equity/ Assets10.4810.272110.3116
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.000.64361.25(25)
Loan Loss Reserves/ Gross Loans0.900.80100.98(8)
Loan Loss Reserves/ NPAs77.03104.62(2,759)66.501,053
Net Charge-offs/ Avg Loans0.670.42240.1057
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio9.329.06269.0626
   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.