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

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Balance Sheet ($000)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,761,5247,810,418(0.63)7,828,412(3.42)
Loans Held for Sale, before Reserves23,19316,70738.8222,17518.36
Loan Loss Reserve67,42871,301(5.43)66,3546.47
Net Loans Receivable7,717,2897,755,824(0.50)7,784,233(3.44)
Intangible Assets178,804178,961(0.09)178,838(0.08)
Total Assets9,051,1429,086,196(0.39)9,082,792(1.39)
Deposits6,841,7156,767,6831.096,779,7583.66
Debt, Senior and Subordinated1,010,7611,262,361(19.93)1,107,615(34.98)
Common Equity1,094,367959,87414.011,039,59921.07
Total Shareholders' Equity1,094,367959,87414.011,039,59921.07
Shares Outstanding (actual)48,505,26148,117,3900.8148,491,1690.12
Income Statement ($000)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income84,29980,1995.1185,667(6.39)
Provision for Loan Losses03,900NM2,700NM
Noninterest Income12,26410,68814.7512,445(5.82)
Noninterest Expense42,86844,338(3.32)40,88519.40
Net Income Before Taxes53,69542,64925.9054,046(2.60)
Provision for Taxes(4,074)27,989NM11,225NM
Net Income57,76914,660294.0642,821139.63
Per Share Items ($)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share22.5619.9513.1021.4420.95
Tangible Book Value18.8816.2316.3117.7525.34
Diluted EPS Before Extra1.210.31290.320.89143.82
Diluted EPS After Extra1.210.31290.320.89143.82
Dividends Declared0.22000.160037.500.1600150.00
Performance Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA2.610.661951.8774
ROAE21.756.091,56616.76499
Net Interest Margin3.983.78203.908
Loans / Deposits113.44115.41(196)115.47(202)
Efficiency Ratio44.1346.74(261)42.46167
Balance Sheet Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.328.771559.6765
Equity/ Assets12.0910.5615311.4565
Asset Quality Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.261.13(87)0.206
Loan Loss Reserves/ Gross Loans0.870.91(4)0.852
Loan Loss Reserves/ NPAs273.2169.0520,416345.40(7,219)
Net Charge-offs/ Avg Loans(0.06)0.14(20)0.04(10)
Regulatory Capital Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio11.199.5416510.6059
   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.