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

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Balance Sheet ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves10,997,02810,293,4946.8310,848,5785.47
Loans Held for Sale, before Reserves4,52511,880(61.91)3,443125.70
Loan Loss Reserve98,38990,4048.8397,7972.42
Net Loans Receivable10,903,16410,214,9706.7410,754,2245.54
Intangible AssetsNA265,757NANANA
Total Assets20,279,50319,726,1462.8120,353,599(1.46)
Deposits15,999,60415,378,2494.0416,096,666(2.41)
Debt, Senior and Subordinated1,932,9082,096,541(7.80)1,962,453(6.02)
Common Equity2,101,5432,024,6283.802,071,1195.88
Total Shareholders' Equity2,101,5432,024,6283.802,071,1195.88
Shares Outstanding (actual)49,862,45349,546,0690.6450,004,611(1.14)
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income140,858124,76512.90137,39410.08
Provision for Loan Losses11,50013,000(11.54)14,500(82.76)
Noninterest Income101,916100,5641.34109,026(26.09)
Noninterest Expense171,816164,7774.27176,922(11.54)
Net Income Before Taxes61,84350,09623.4556,26139.69
Provision for Taxes12,97110,67421.5211,49051.56
Net Income48,14241,94614.7742,82149.70
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share42.1540.863.1441.427.03
Tangible Book ValueNA35.50NANANA
Diluted EPS Before Extra0.980.8022.500.9035.56
Diluted EPS After Extra0.970.8514.120.8651.16
Dividends Declared0.25500.24504.080.25500.00
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA0.950.80150.887
ROAE9.177.761418.6948
Net Interest Margin3.162.87293.124
Loans / Deposits68.7366.9418067.40134
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA9.04NANANA
Equity/ Assets10.3610.261010.1819
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.270.41(14)0.252
Loan Loss Reserves/ Gross Loans0.890.8820.90(1)
Loan Loss Reserves/ NPAs129.4085.794,361119.60980
Net Charge-offs/ Avg Loans0.400.29110.373
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio12.1811.754312.22(4)
   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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