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

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Balance Sheet ($000)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves8,916,1286,920,68328.837,498,30875.63
Loans Held for Sale, before Reserves2,8193,156(10.68)3,141(41.01)
Loan Loss Reserve77,72176,8021.2077,4791.25
Net Loans Receivable8,841,2266,847,03729.127,423,97076.36
Intangible AssetsNA257,998NA250,842NA
Total Assets18,418,72715,562,69018.3516,730,12340.37
Deposits14,496,64612,174,28919.0813,156,28840.75
Debt, Senior and Subordinated1,862,7811,613,03915.481,726,68031.53
Common Equity1,857,0561,601,34215.971,682,37641.53
Total Shareholders' Equity1,857,0561,601,34215.971,682,37641.53
Shares Outstanding (actual)49,288,97145,475,1978.3945,763,13230.82
Income Statement ($000)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Net Interest Income97,36086,17012.9990,35831.00
Provision for Loan Losses5,0005,0000.003,000266.67
Noninterest Income118,583128,634(7.81)117,8712.42
Noninterest Expense171,264160,9316.42163,62318.68
Net Income Before Taxes39,94648,970(18.43)48,152(68.17)
Provision for Taxes9,73214,298(31.93)14,387(129.42)
Net Income30,21434,672(12.86)33,765(42.07)
Per Share Items ($)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Book Value per Share37.6835.217.0036.769.95
Tangible Book ValueNA29.54NA31.28NA
Diluted EPS Before Extra0.650.76(14.47)0.74(48.65)
Diluted EPS After Extra0.650.76(14.47)0.74(48.65)
Dividends Declared0.23500.22504.440.23500.00
Performance Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
ROAA0.700.89(19)0.81(11)
ROAE6.958.77(182)8.18(123)
Net Interest Margin2.592.5362.4613
Loans / Deposits61.5056.8546656.99451
Balance Sheet Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA8.78NA8.69NA
Equity/ Assets10.0810.29(21)10.063
Asset Quality Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.19NA0.18NA
Loan Loss Reserves/ Gross Loans0.871.11(24)1.03(16)
Loan Loss Reserves/ NPAsNA263.16NA257.54NA
Net Charge-offs/ Avg Loans0.240.2220.0915
Regulatory Capital Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.81NA12.91NA
   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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