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

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Balance Sheet ($000)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves10,293,4949,046,12613.7910,083,2668.34
Loans Held for Sale, before Reserves11,8801,0131,072.7510,49552.79
Loan Loss Reserve90,40478,03015.8684,66627.11
Net Loans Receivable10,214,9708,969,10913.8910,009,0958.23
Intangible Assets265,757277,907(4.37)268,734(4.43)
Total Assets19,726,14618,597,9656.0719,734,076(0.16)
Deposits15,378,24915,061,5592.1015,648,693(6.91)
Debt, Senior and Subordinated2,096,5411,431,13446.501,878,89046.34
Common Equity2,024,6281,900,8576.512,003,1414.29
Total Shareholders' Equity2,024,6281,900,8576.512,003,1414.29
Shares Outstanding (actual)49,546,06949,296,9910.5149,533,6550.10
Income Statement ($000)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Net Interest Income124,765109,89513.53121,21011.73
Provision for Loan Losses13,0002,500420.007,000342.86
Noninterest Income118,970108,9979.15118,8490.41
Noninterest Expense179,348180,423(0.60)184,347(10.85)
Net Income Before Taxes53,93031,21472.7850,31428.75
Provision for Taxes11,9848,76336.7612,796(25.38)
Net Income41,94622,45186.8337,51847.21
Per Share Items ($)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Book Value per Share40.8638.565.9840.444.19
Tangible Book Value35.5032.927.8335.015.54
Diluted EPS Before Extra0.850.4684.780.7647.37
Diluted EPS After Extra0.850.4684.780.7647.37
Dividends Declared0.24500.23504.260.24500.00
Performance Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
ROAA0.850.49360.787
ROAE8.254.723537.6263
Net Interest Margin2.872.73142.861
Loans / Deposits66.9460.0668764.44250
Balance Sheet Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.048.86188.9113
Equity/ Assets10.2610.22410.1511
Asset Quality Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.410.28130.3011
Loan Loss Reserves/ Gross Loans0.880.8610.844
Loan Loss Reserves/ NPAs85.79109.70(2,390)117.64(3,185)
Net Charge-offs/ Avg Loans0.290.10190.1117
Regulatory Capital Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio11.7512.51(76)11.6510
   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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