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

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


Balance Sheet ($000)
 2019Y2018Y2019/
2018
Ch (%)
2017Y2018/
2017
Ch (%)
Loans Held for Investment, before Reserves11,983,9438,340,50443.684,773,22174.74
Loans Held for Sale, before Reserves142,80140,399253.4819,647105.62
Loan Loss Reserve40,65539,7702.2332,82521.16
Net Loans Receivable12,086,0898,341,13344.904,760,04375.23
Intangible Assets1,298,749870,49349.20282,297208.36
Total Assets17,142,02512,337,58838.947,123,97573.18
Deposits13,136,3929,477,33638.615,560,52370.44
Debt, Senior and Subordinated739,162745,547(0.86)584,76227.50
Common Equity2,896,7181,971,34446.94904,750117.89
Total Shareholders' Equity2,896,7181,971,34446.94904,750117.89
Shares Outstanding (actual)125,173,59795,679,59630.8360,161,33459.04
Income Statement ($000)
 2019Y2018Y2019/
2018
Ch (%)
2017Y2018/
2017
Ch (%)
Net Interest Income585,728413,08241.79235,54375.37
Provision for Loan Losses10,5858,28327.794,95867.06
Noninterest Income166,035104,53858.8363,95863.45
Noninterest Expense405,914273,85948.22172,92058.37
Net Income Before Taxes294,296197,45949.04109,27580.70
Provision for Taxes67,69841,02465.0253,480(23.29)
Net Income226,598156,43544.8555,795180.37
Per Share Items ($)
 2019Y2018Y2019/
2018
Ch (%)
2017Y2018/
2017
Ch (%)
Book Value per Share23.1420.6012.3215.0437.00
Tangible Book Value12.7711.5110.9510.3511.20
Diluted EPS Before Extra1.871.766.250.9585.26
Diluted EPS After Extra1.871.766.250.9585.26
Dividends Declared0.44000.400010.000.240066.67
Performance Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
ROAA1.421.43(1)0.8855
ROAE8.479.41(94)6.81260
Net Interest Margin4.314.39(8)4.2811
Loans / Deposits91.2388.0032285.84216
Efficiency Ratio51.9051.405055.50(410)
Balance Sheet Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
Tangible Equity/ Tangible Assets10.099.60499.1050
Equity/ Assets16.9015.989212.70328
Asset Quality Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
Nonperforming Assets/ Assets0.260.2240.30(8)
Loan Loss Reserves/ Gross Loans0.340.47(14)0.68(21)
Loan Loss Reserves/ NPAs81.00113.31(3,231)97.981,533
Net Charge-offs/ Avg Loans0.090.027(0.02)4
Regulatory Capital Ratios (%)
 2019Y2018Y2019/
2018
Ch (bp)
2017Y2018/
2017
Ch (bp)
Tier 1 Capital Ratio11.3412.27(93)11.9631

Copyright 2020, © S&P Global Market Intelligence  Terms of Use