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

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Balance Sheet ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves10,540,3839,430,76111.7710,293,4949.59
Loans Held for Sale, before Reserves5,279589796.2611,880(222.26)
Loan Loss Reserve91,64981,14312.9590,4045.51
Net Loans Receivable10,454,0139,350,20711.8110,214,9709.36
Intangible Assets262,845275,023(4.43)265,757(4.38)
Total Assets20,682,53219,094,2458.3219,726,14619.39
Deposits16,570,61415,092,7529.7915,378,24931.01
Debt, Senior and Subordinated1,933,7091,909,1411.292,096,541(31.07)
Common Equity1,962,3841,893,6943.632,024,628(12.30)
Total Shareholders' Equity1,962,3841,893,6943.632,024,628(12.30)
Shares Outstanding (actual)49,673,05649,396,3660.5649,546,0691.03
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income131,456114,45414.85124,76521.45
Provision for Loan Losses7,5005,00050.0013,000(169.23)
Noninterest Income116,330110,6015.18118,970(8.88)
Noninterest Expense183,052178,6532.46179,3488.26
Net Income Before Taxes53,96239,97335.0053,9300.24
Provision for Taxes11,02810,3306.7611,984(31.91)
Net Income42,93429,64344.8441,9469.42
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share39.5138.343.0540.86(13.29)
Tangible Book Value34.2132.774.4135.50(14.48)
Diluted EPS Before Extra0.870.6045.000.859.41
Diluted EPS After Extra0.870.6045.000.859.41
Dividends Declared0.25500.24504.080.245016.33
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA0.860.63230.851
ROAE8.586.152438.2533
Net Interest Margin3.002.76242.8713
Loans / Deposits63.6162.4911266.94(333)
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.328.60(28)9.04(72)
Equity/ Assets9.499.92(43)10.26(78)
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.340.3400.41(7)
Loan Loss Reserves/ Gross Loans0.870.8610.88(1)
Loan Loss Reserves/ NPAs97.0294.9221085.791,122
Net Charge-offs/ Avg Loans0.240.08160.29(4)
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio11.8011.86(6)11.755
   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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