Financial Highlights

Trend Analysis--Annual (click here for Quarterly Analysis) For the definition of a financial field, click on the field name. Balance Sheet ($000)   2018Y 2017Y 2018/ 2017 Ch (%) 2016Y 2017/ 2016 Ch (%) Loans Held for Investment, before Reserves 8,340,504 4,773,221 74.74 3,429,747 39.17 Loans Held for Sale, before Reserves 40,399 19,647 105.62 2,285 759.82 Loan Loss Reserve 39,770 32,825 21.16 27,041 21.39 Net Loans Receivable 8,341,133 4,760,043 75.23 3,404,991 39.80 Intangible Assets 870,493 282,297 208.36 122,322 130.78 Total Assets 12,337,588 7,123,975 73.18 5,078,559 40.28 Deposits 9,477,336 5,560,523 70.44 4,152,544 33.91 Debt, Senior and Subordinated 745,547 584,762 27.50 316,371 84.83 Common Equity 1,971,344 904,750 117.89 552,457 63.77 Total Shareholders' Equity 1,971,344 904,750 117.89 552,457 63.77 Shares Outstanding (actual) 95,679,596 60,161,334 59.04 48,146,981 24.95 Income Statement ($000)   2018Y 2017Y 2018/ 2017 Ch (%) 2016Y 2017/ 2016 Ch (%) Net Interest Income 413,082 235,543 75.37 179,325 31.35 Provision for Loan Losses 8,283 4,958 67.06 4,962 (0.08) Noninterest Income 104,538 63,958 63.45 64,048 (0.14) Noninterest Expense 273,859 172,920 58.37 144,327 19.81 Net Income Before Taxes 197,459 109,275 80.70 64,251 70.08 Provision for Taxes 41,024 53,480 (23.29) 21,910 144.09 Net Income 156,435 55,795 180.37 42,341 31.78 Per Share Items ($)   2018Y 2017Y 2018/ 2017 Ch (%) 2016Y 2017/ 2016 Ch (%) Book Value per Share 20.60 15.04 37.00 11.47 31.06 Tangible Book Value 11.51 10.35 11.20 8.93 15.81 Diluted EPS Before Extra 1.76 0.95 85.26 0.88 7.95 Diluted EPS After Extra 1.76 0.95 85.26 0.88 7.95 Dividends Declared 0.4000 0.2400 66.67 0.1600 50.00 Performance Ratios (%)   2018Y 2017Y 2018/ 2017 Ch (bp) 2016Y 2017/ 2016 Ch (bp) ROAA 1.43 0.88 55 0.87 1 ROAE 9.41 6.81 260 7.96 (115) Net Interest Margin 4.39 4.28 11 4.20 8 Loans / Deposits 88.00 85.84 216 82.59 325 Efficiency Ratio 51.40 55.50 (410) 57.70 (220) Balance Sheet Ratios (%)   2018Y 2017Y 2018/ 2017 Ch (bp) 2016Y 2017/ 2016 Ch (bp) Tangible Equity/ Tangible Assets 9.60 9.10 50 8.68 42 Equity/ Assets 15.98 12.70 328 10.88 182 Asset Quality Ratios (%)   2018Y 2017Y 2018/ 2017 Ch (bp) 2016Y 2017/ 2016 Ch (bp) Nonperforming Assets/ Assets 0.22 0.30 (8) 0.52 (22) Loan Loss Reserves/ Gross Loans 0.47 0.68 (21) 0.79 (10) Loan Loss Reserves/ NPAs 113.31 97.98 1,533 72.62 2,536 Net Charge-offs/ Avg Loans 0.02 (0.02) 4 0.01 (3) Regulatory Capital Ratios (%)   2018Y 2017Y 2018/ 2017 Ch (bp) 2016Y 2017/ 2016 Ch (bp) Tier 1 Capital Ratio 12.27 11.96 31 11.83 13

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