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

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Balance Sheet ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves9,699,6317,498,30829.369,430,76111.40
Loans Held for Sale, before Reserves4,8303,14153.775892,880.14
Loan Loss Reserve80,39877,4793.7781,143(3.67)
Net Loans Receivable9,624,0637,423,97029.639,350,20711.72
Intangible AssetsNA250,842NA275,023NA
Total Assets19,302,91316,730,12315.3819,094,2454.37
Deposits15,418,37313,156,28817.1915,092,7528.63
Debt, Senior and Subordinated1,771,9671,726,6802.621,909,141(28.74)
Common Equity1,947,9591,682,37615.791,893,69411.46
Total Shareholders' Equity1,947,9591,682,37615.791,893,69411.46
Shares Outstanding (actual)49,465,69345,763,1328.0949,396,3660.56
Income Statement ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income117,89290,35830.47114,45412.02
Provision for Loan Losses5,0003,00066.675,0000.00
Noninterest Income113,417117,871(3.78)110,60110.18
Noninterest Expense177,701163,6238.60178,653(2.13)
Net Income Before Taxes48,49848,1520.7239,97385.31
Provision for Taxes12,25314,387(14.83)10,33074.46
Net Income36,24533,7657.3429,64389.09
Per Share Items ($)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share39.3836.767.1238.3410.89
Tangible Book ValueNA31.28NA32.77NA
Diluted EPS Before Extra0.740.740.000.6093.33
Diluted EPS After Extra0.740.740.000.6093.33
Dividends Declared0.24500.23504.260.24500.00
Performance Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA0.750.81(6)0.6312
ROAE7.518.18(67)6.15136
Net Interest Margin2.792.46332.763
Loans / Deposits62.9156.9959262.4942
Balance Sheet Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible AssetsNA8.69NA8.60NA
Equity/ Assets10.0910.0649.9217
Asset Quality Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ AssetsNA0.18NA0.45NA
Loan Loss Reserves/ Gross Loans0.831.03(20)0.86(3)
Loan Loss Reserves/ NPAsNA257.54NA94.92NA
Net Charge-offs/ Avg Loans0.240.09150.0816
Regulatory Capital Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA12.91NANANA
   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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