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

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Balance Sheet ($000)
2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,626,59213,091,8884.0813,572,5091.59
Loans Held for Sale, before Reserves22,00233,254(33.84)15,559165.64
Loan Loss Reserve157,832153,8322.60157,8320.00
Net Loans Receivable13,490,76212,971,3104.0013,430,2361.80
Intangible Assets142,277143,291(0.71)142,515(0.67)
Total Assets25,078,84324,709,6931.4925,308,171(3.62)
Deposits20,825,66220,150,0473.3521,091,853(5.05)
Debt, Senior and Subordinated1,358,3471,736,150(21.76)1,423,124(18.21)
Common Equity2,479,0992,377,1324.292,413,91910.80
Total Shareholders' Equity2,628,2072,526,8214.012,563,56510.09
Shares Outstanding (actual)101,795,752101,564,7890.23101,847,426(0.20)
Income Statement ($000)
2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income182,807171,8296.39178,27310.17
Provision for Loan Losses10,7589,21616.7311,128(13.30)
Noninterest Income121,400116,5704.14117,06614.81
Noninterest Expense184,594177,0894.24186,830(4.79)
Net Income Before Taxes112,190101,35010.7096,60964.51
Provision for Taxes33,20131,5425.2624,907133.20
Net Income78,98969,80813.1571,70240.65
Per Share Items ($)
2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share24.3523.414.0523.7011.01
Tangible Book Value22.9621.994.3722.3011.73
Diluted EPS Before Extra0.750.6613.640.6841.18
Diluted EPS After Extra0.750.6613.640.6841.18
Dividends Declared0.22500.21435.000.22500.00
Performance Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA1.261.15111.1511
ROAE12.1111.298211.3080
Net Interest Margin3.193.1183.145
Loans / Deposits65.4364.974664.35108
Efficiency Ratio60.2461.27(103)63.14(290)
Balance Sheet Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.979.70279.6235
Equity/ Assets10.4810.232510.1335
Asset Quality Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.060.11(5)0.060
Loan Loss Reserves/ Gross Loans1.161.17(2)1.16(1)
Loan Loss Reserves/ NPAs240.33211.302,903258.24(1,791)
Net Charge-offs/ Avg Loans0.320.2380.274
Regulatory Capital Ratios (%)
2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio13.0512.297612.7530
   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.



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