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

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Balance Sheet ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,103,1636,506,9029.166,920,68310.55
Loans Held for Sale, before Reserves1,7183,033(43.36)3,156(182.26)
Loan Loss Reserve77,31674,9383.1776,8022.68
Net Loans Receivable7,027,5656,434,9979.216,847,03710.55
Intangible AssetsNA265,449NA257,998NA
Total Assets16,284,02816,184,2330.6215,562,69018.54
Deposits12,753,43713,041,044(2.21)12,174,28919.03
Debt, Senior and Subordinated1,718,8761,533,30512.101,613,03926.25
Common Equity1,615,3491,463,65510.361,601,3423.50
Total Shareholders' Equity1,615,3491,463,65510.361,601,3423.50
Shares Outstanding (actual)45,485,31344,554,8342.0945,475,1970.09
Income Statement ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income87,52685,5452.3286,1706.29
Provision for Loan Losses4,5006,500(30.77)5,000(40.00)
Noninterest Income126,449120,5754.87128,634(6.79)
Noninterest Expense161,461153,1535.42161,2410.55
Net Income Before Taxes48,04047,6070.9148,660(5.10)
Provision for Taxes12,41013,175(5.81)13,988(45.12)
Net Income35,63034,4323.4834,67211.05
Per Share Items ($)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share35.5132.858.1135.213.41
Tangible Book ValueNA26.89NA29.54NA
Diluted EPS Before Extra0.780.83(6.02)0.7610.53
Diluted EPS After Extra0.780.83(6.02)0.7610.53
Dividends Declared0.22500.21504.650.22500.00
Performance Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA0.900.92(2)0.891
ROAE8.7710.84(207)8.770
Net Interest Margin2.532.61(8)2.530
Loans / Deposits55.7049.9058056.85(115)
Balance Sheet Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA7.53NA8.78NA
Equity/ Assets9.929.048810.29(37)
Asset Quality Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.21NA0.19NA
Loan Loss Reserves/ Gross Loans1.091.15(6)1.11(2)
Loan Loss Reserves/ NPAsNA220.44NA263.16NA
Net Charge-offs/ Avg Loans0.230.2030.221
Regulatory Capital Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio13.7212.937913.81(9)
   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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