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

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Balance Sheet ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,465,7946,520,51214.507,103,16320.42
Loans Held for Sale, before Reserves6241,357(54.02)1,718(254.71)
Loan Loss Reserve76,14074,7511.8677,316(6.08)
Net Loans Receivable7,390,2786,447,11814.637,027,56520.65
Intangible AssetsNA263,386NA255,629NA
Total Assets17,500,96016,911,8523.4816,284,02829.89
Deposits13,616,85913,640,766(0.18)12,753,43727.08
Debt, Senior and Subordinated2,033,9421,588,38028.051,718,87673.32
Common Equity1,643,7581,506,0659.141,615,3497.03
Total Shareholders' Equity1,643,7581,506,0659.141,615,3497.03
Shares Outstanding (actual)45,532,18845,221,2370.6945,485,3130.41
Income Statement ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income90,91485,9145.8287,52615.48
Provision for Loan Losses3,0004,000(25.00)4,500(133.33)
Noninterest Income115,186135,705(15.12)126,423(35.55)
Noninterest Expense164,813170,514(3.34)161,4358.37
Net Income Before Taxes36,44947,095(22.61)48,040(96.51)
Provision for Taxes9,50912,432(23.51)12,410(93.51)
Net Income26,94034,663(22.28)35,630(97.56)
Per Share Items ($)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share36.1033.308.4035.516.62
Tangible Book ValueNA27.48NA29.89NA
Diluted EPS Before Extra0.590.77(23.38)0.78(97.44)
Diluted EPS After Extra0.590.77(23.38)0.78(97.44)
Dividends Declared0.23500.22504.440.225017.78
Performance Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA0.660.89(23)0.90(24)
ROAE6.479.08(261)8.77(230)
Net Interest Margin2.522.5112.53(1)
Loans / Deposits54.8347.8070355.70(87)
Balance Sheet Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA7.46NA8.48NA
Equity/ Assets9.398.91499.92(53)
Asset Quality Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.19NA0.21NA
Loan Loss Reserves/ Gross Loans1.021.15(13)1.09(7)
Loan Loss Reserves/ NPAsNA228.88NA222.56NA
Net Charge-offs/ Avg Loans0.230.26(3)0.230
Regulatory Capital Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio13.2913.61(32)13.72(43)
   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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