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

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Balance Sheet ($000)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves8,051,7097,596,5935.997,761,52414.96
Loans Held for Sale, before Reserves11,38031,123(63.44)23,193(203.73)
Loan Loss Reserve77,53074,5084.0667,42859.93
Net Loans Receivable7,985,5597,553,2085.727,717,28913.90
Intangible Assets178,777178,906(0.07)178,804(0.06)
Total Assets9,346,0728,865,6245.429,051,14213.03
Deposits7,077,4256,954,4071.776,841,71513.78
Debt, Senior and Subordinated1,031,666815,81726.461,010,7618.27
Common Equity1,121,087979,49414.461,094,3679.77
Total Shareholders' Equity1,121,087979,49414.461,094,3679.77
Shares Outstanding (actual)48,704,07048,264,9660.9148,505,2611.64
Income Statement ($000)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Net Interest Income81,16478,6133.2584,299(14.88)
Provision for Loan Losses9,83915,635(37.07)0NM
Noninterest Income9,89310,816(8.53)12,264(77.33)
Noninterest Expense44,27343,2682.3242,86813.11
Net Income Before Taxes36,95131,96915.5853,695(124.73)
Provision for Taxes7,8716,20726.81(4,074)NM
Net Income29,08025,76212.8857,769(198.65)
Per Share Items ($)
 2019 Q12018 Q1Y-Y
Ch (%)
2018 Q4Q-Q
Ch (%)
Book Value per Share23.0220.2913.4222.568.09
Tangible Book Value19.3516.5916.6418.8810.00
Diluted EPS Before Extra0.610.5412.961.21(198.35)
Diluted EPS After Extra0.610.5412.961.21(198.35)
Dividends Declared0.25000.160056.250.220054.55
Performance Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
ROAA1.311.19122.61(130)
ROAE10.5010.59(9)21.75(1,125)
Net Interest Margin3.913.8653.98(7)
Loans / Deposits113.77109.23453113.4432
Efficiency Ratio48.6648.402644.13453
Balance Sheet Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.289.2210610.32(4)
Equity/ Assets12.0011.059512.09(10)
Asset Quality Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.660.6510.2640
Loan Loss Reserves/ Gross Loans0.960.98(2)0.8710
Loan Loss Reserves/ NPAs123.72127.53(382)273.21(14,949)
Net Charge-offs/ Avg Loans(0.01)0.67(68)(0.06)4
Regulatory Capital Ratios (%)
 2019 Q12018 Q1Y-Y
Ch (bp)
2018 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio11.0610.0610011.19(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.