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

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Balance Sheet ($000)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves13,983,67413,412,7364.2613,745,4926.93
Loans Held for Sale, before Reserves21,39814,45648.0217,33793.70
Loan Loss Reserve159,532155,9322.31157,8324.31
Net Loans Receivable13,845,54013,271,2604.3313,604,9977.07
Intangible Assets141,886142,762(0.61)142,064(0.50)
Total Assets24,833,41525,641,424(3.15)24,979,141(2.33)
Deposits20,425,44621,101,095(3.20)20,443,773(0.36)
Debt, Senior and Subordinated1,508,8961,825,954(17.36)1,511,537(0.70)
Common Equity2,571,7762,350,9999.392,555,7602.51
Total Shareholders' Equity2,718,1842,501,1328.682,704,4772.03
Shares Outstanding (actual)106,615,043106,720,252(0.10)106,895,754(1.05)
Income Statement ($000)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income190,008173,2029.70182,59116.25
Provision for Loan Losses12,65410,40021.6710,70472.87
Noninterest Income124,212119,4793.96122,2426.45
Noninterest Expense213,688181,26117.89184,57263.10
Net Income Before Taxes115,087104,6719.95106,52032.17
Provision for Taxes20,10432,297(37.75)32,294(150.99)
Net Income94,98372,37431.2474,226111.86
Per Share Items ($)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share24.1222.039.5023.913.57
Tangible Book Value22.7920.6910.1522.583.74
Diluted EPS Before Extra0.860.6532.790.67113.43
Diluted EPS After Extra0.860.6532.790.67113.43
Dividends Declared0.21430.20415.000.21430.00
Performance Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA1.501.14361.1931
ROAE13.9511.3625911.11284
Net Interest Margin3.293.03263.1811
Loans / Deposits68.4663.5649067.24123
Efficiency Ratio67.9161.8260960.44747
Balance Sheet Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.439.2511810.3212
Equity/ Assets10.959.7511910.8312
Asset Quality Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.050.06(1)0.06(1)
Loan Loss Reserves/ Gross Loans1.141.16(2)1.15(1)
Loan Loss Reserves/ NPAsNA240.27NA195.81NA
Net Charge-offs/ Avg Loans0.320.2750.310
Regulatory Capital Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio13.4112.3810313.2813
   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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