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

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Balance Sheet ($000)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves9,430,7617,465,79426.329,046,12617.01
Loans Held for Sale, before Reserves589624(5.61)1,013(167.42)
Loan Loss Reserve81,14376,1406.5778,03015.96
Net Loans Receivable9,350,2077,390,27826.528,969,10917.00
Intangible AssetsNA253,207NA277,907NA
Total Assets19,094,24517,500,9609.1018,597,96510.67
Deposits15,092,75213,616,85910.8415,061,5590.83
Debt, Senior and Subordinated1,909,1412,033,942(6.14)1,431,134133.60
Common Equity1,893,6941,643,75815.211,900,857(1.51)
Total Shareholders' Equity1,893,6941,643,75815.211,900,857(1.51)
Shares Outstanding (actual)49,396,36645,532,1888.4949,296,9910.81
Income Statement ($000)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Net Interest Income114,45490,91425.89109,89516.59
Provision for Loan Losses5,0003,00066.672,500400.00
Noninterest Income110,601115,353(4.12)108,9975.89
Noninterest Expense178,653164,6228.52180,779(4.70)
Net Income Before Taxes39,97336,7658.7331,214112.24
Provision for Taxes10,3309,8255.148,76371.53
Net Income29,64326,94010.0322,451128.14
Per Share Items ($)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Book Value per Share38.3436.106.1938.56(2.31)
Tangible Book ValueNA30.54NA32.92NA
Diluted EPS Before Extra0.600.591.690.46121.74
Diluted EPS After Extra0.600.591.690.46121.74
Dividends Declared0.24500.23504.260.235017.02
Performance Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
ROAA0.630.66(3)0.4914
ROAE6.156.47(32)4.72143
Net Interest Margin2.762.52242.733
Loans / Deposits62.4954.8376660.06242
Balance Sheet Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA8.06NA8.86NA
Equity/ Assets9.929.395310.22(30)
Asset Quality Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.16NA0.38NA
Loan Loss Reserves/ Gross Loans0.861.02(16)0.860
Loan Loss Reserves/ NPAsNA268.49NA109.70NA
Net Charge-offs/ Avg Loans0.080.23(15)0.10(2)
Regulatory Capital Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA13.29NANANA
   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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