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

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Balance Sheet ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,498,3086,759,08910.947,465,7941.74
Loans Held for Sale, before Reserves3,1411,108183.486241,613.46
Loan Loss Reserve77,47975,5142.6076,1407.03
Net Loans Receivable7,423,9706,684,68311.067,390,2781.82
Intangible Assets250,842260,041(3.54)253,207(3.74)
Total Assets16,730,12315,945,8304.9217,500,960(17.62)
Deposits13,156,28812,265,7717.2613,616,859(13.53)
Debt, Senior and Subordinated1,726,6801,979,551(12.77)2,033,942(60.43)
Common Equity1,682,3761,542,1989.091,643,7589.40
Total Shareholders' Equity1,682,3761,542,1989.091,643,7589.40
Shares Outstanding (actual)45,763,13245,433,1010.7345,532,1882.03
Income Statement ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income90,35885,4455.7590,914(2.45)
Provision for Loan Losses3,0004,500(33.33)3,0000.00
Noninterest Income117,871121,473(2.97)115,3538.73
Noninterest Expense163,623157,2204.07164,980(3.29)
Net Income Before Taxes48,15231,66852.0536,449128.43
Provision for Taxes14,3878,25574.289,509205.20
Net Income33,76523,41344.2126,940101.34
Per Share Items ($)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share36.7633.948.3036.107.33
Tangible Book Value31.2828.2210.8530.549.71
Diluted EPS Before Extra0.740.5242.310.59101.69
Diluted EPS After Extra0.740.5242.310.59101.69
Dividends Declared0.23500.22504.440.23500.00
Performance Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA0.810.58230.6615
ROAE8.186.132056.47171
Net Interest Margin2.462.3972.52(6)
Loans / Deposits56.9955.1118954.83217
Balance Sheet Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.698.17518.0662
Equity/ Assets10.069.67389.3966
Asset Quality Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.180.20(2)0.162
Loan Loss Reserves/ Gross Loans1.031.12(8)1.021
Loan Loss Reserves/ NPAs257.54237.601,994268.49(1,094)
Net Charge-offs/ Avg Loans0.090.22(13)0.23(14)
Regulatory Capital Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio12.9113.35(44)13.29(38)
   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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