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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves12,027,2318,349,39544.0511,983,9431.44
Loans Held for Sale, before Reserves188,31649,474280.64142,801127.49
Loan Loss Reserve158,73340,052296.3240,6551,161.76
Net Loans Receivable12,056,8148,358,81744.2412,086,089(0.97)
Intangible Assets1,294,805867,85549.201,298,749(1.21)
Total Assets18,596,29212,587,63747.7317,142,02533.93
Deposits14,121,4999,747,02544.8813,136,39230.00
Debt, Senior and Subordinated654,693631,6013.66739,162(45.71)
Common Equity2,870,2522,027,55241.562,896,718(3.65)
Total Shareholders' Equity2,870,2522,027,55241.562,896,718(3.65)
Shares Outstanding (actual)124,131,40195,679,59629.74125,173,597(3.33)
Income Statement ($000)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Net Interest Income153,353114,17534.31157,925(11.58)
Provision for Loan Losses45,9411,0534,262.873,0485,629.00
Noninterest Income55,79029,28390.5250,31643.52
Noninterest Expense118,66378,00152.13112,44222.13
Net Income Before Taxes41,45757,949(28.46)91,797(219.35)
Provision for Taxes6,02513,306(54.72)20,665(283.38)
Net Income35,43244,643(20.63)71,132(200.75)
Per Share Items ($)
 2020 Q12019 Q1Y-Y
Ch (%)
2019 Q4Q-Q
Ch (%)
Book Value per Share23.1221.199.1223.14(0.33)
Tangible Book Value12.6912.124.7112.77(2.33)
Diluted EPS Before Extra0.280.46(39.13)0.56(200.00)
Diluted EPS After Extra0.280.46(39.13)0.56(200.00)
Dividends Declared0.14000.110027.270.1100109.09
Performance Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
ROAA0.821.47(65)1.63(81)
ROAE4.949.05(411)9.80(486)
Net Interest Margin4.174.40(23)4.25(8)
Loans / Deposits85.1785.66(49)91.23(606)
Efficiency Ratio54.9052.3026052.10280
Balance Sheet Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.119.90(79)10.09(98)
Equity/ Assets15.4316.11(67)16.90(146)
Asset Quality Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.480.33150.2622
Loan Loss Reserves/ Gross Loans1.300.48820.3496
Loan Loss Reserves/ NPAs164.5979.668,49281.008,359
Net Charge-offs/ Avg Loans0.050.0410.15(10)
Regulatory Capital Ratios (%)
 2020 Q12019 Q1Y-Y
Ch (bp)
2019 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio10.6312.66(203)11.34(71)
   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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