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Financial Highlights
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Financial Highlights
Trend Analysis--Quarterly (
click here for Annual Analysis
)
For the definition of a financial field, click on the field name.
Balance Sheet ($000)
2018 Q1
2017 Q1
Y-Y
Ch (%)
2017 Q4
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
13,893,361
13,572,509
2.36
13,983,674
(2.58)
Loans Held for Sale, before Reserves
16,435
15,559
5.63
21,398
(92.78)
Loan Loss Reserve
159,532
157,832
1.08
159,532
0.00
Net Loans Receivable
13,750,264
13,430,236
2.38
13,845,540
(2.75)
Intangible Assets
141,709
142,515
(0.57)
141,886
(0.50)
Total Assets
24,611,242
25,308,171
(2.75)
24,833,415
(3.58)
Deposits
20,538,471
21,091,853
(2.62)
20,425,446
2.21
Debt, Senior and Subordinated
1,141,543
1,423,124
(19.79)
1,508,896
(97.38)
Common Equity
2,558,338
2,413,919
5.98
2,571,776
(2.09)
Total Shareholders' Equity
2,705,728
2,563,565
5.55
2,718,184
(1.83)
Shares Outstanding (actual)
106,617,497
106,939,797
(0.30)
106,804,429
(0.70)
Income Statement ($000)
2018 Q1
2017 Q1
Y-Y
Ch (%)
2017 Q4
Q-Q
Ch (%)
†
Net Interest Income
192,892
178,273
8.20
190,008
6.07
Provision for Loan Losses
10,396
11,128
(6.58)
12,654
(71.38)
Noninterest Income
119,690
109,613
9.19
119,383
1.03
Noninterest Expense
182,277
179,377
1.62
208,859
(50.91)
Net Income Before Taxes
125,319
96,609
29.72
115,087
35.56
Provision for Taxes
23,258
24,907
(6.62)
20,104
62.75
Net Income
102,061
71,702
42.34
94,983
29.81
Per Share Items ($)
2018 Q1
2017 Q1
Y-Y
Ch (%)
2017 Q4
Q-Q
Ch (%)
†
Book Value per Share
24.00
22.57
6.30
24.08
(1.39)
Tangible Book Value
22.67
21.24
6.72
22.75
(1.49)
Diluted EPS Before Extra
0.92
0.65
42.06
0.86
27.91
Diluted EPS After Extra
0.92
0.65
42.06
0.86
27.91
Dividends Declared
0.2350
0.2143
9.67
0.2143
38.67
Performance Ratios (%)
2018 Q1
2017 Q1
Y-Y
Ch (bp)
2017 Q4
Q-Q
Ch (bp)
ROAA
1.66
1.15
51
1.50
16
ROAE
15.04
11.30
373
13.95
109
Net Interest Margin
3.37
3.13
24
3.29
8
Loans / Deposits
67.65
64.35
330
68.46
(82)
Efficiency Ratio
58.21
62.19
(398)
67.40
(919)
Balance Sheet Ratios (%)
2018 Q1
2017 Q1
Y-Y
Ch (bp)
2017 Q4
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
10.48
9.62
86
10.43
4
Equity/ Assets
10.99
10.13
86
10.95
5
Asset Quality Ratios (%)
2018 Q1
2017 Q1
Y-Y
Ch (bp)
2017 Q4
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
0.05
0.06
(1)
0.05
0
Loan Loss Reserves/ Gross Loans
1.15
1.16
(1)
1.14
1
Loan Loss Reserves/ NPAs
NA
258.24
NA
138.15
NA
Net Charge-offs/ Avg Loans
0.30
0.27
3
0.32
(2)
Regulatory Capital Ratios (%)
2018 Q1
2017 Q1
Y-Y
Ch (bp)
2017 Q4
Q-Q
Ch (bp)
Tier 1 Capital Ratio
NA
12.75
NA
13.41
NA
†
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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