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

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Balance Sheet ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves45,810,00044,156,0003.7545,230,0005.13
Loans Held for Sale, before Reserves61,00071,000(14.08)84,000(109.52)
Loan Loss Reserve480,000541,000(11.28)490,000(8.16)
Net Loans Receivable45,391,00043,686,0003.9044,824,0005.06
Intangible Assets1,015,0001,017,000(0.20)1,015,0000.00
Total Assets66,731,00065,564,0001.7866,457,0001.65
Deposits53,785,00052,099,0003.2453,580,0001.53
Debt, Senior and Subordinated4,659,0005,007,000(6.95)4,541,00010.39
Common Equity6,987,0007,195,000(2.89)7,055,000(3.86)
Total Shareholders' Equity7,553,0007,761,000(2.68)7,621,000(3.57)
Shares Outstanding (actual)192,169,000199,712,000(3.78)195,392,000(6.60)
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income565,000522,0008.24548,00012.41
Provision for Loan Losses(11,000)5,000NM5,000NM
Noninterest Income137,000134,0002.24137,0000.00
Noninterest Expense419,000406,0003.20428,000(8.41)
Net Income Before Taxes292,000243,00020.16253,00061.66
Provision for Taxes69,00083,000(16.87)56,00092.86
Net Income223,000160,00039.38197,00052.79
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share36.3636.030.9236.112.79
Tangible Book Value31.0830.930.4630.912.13
Diluted EPS Before Extra1.040.7244.440.8967.42
Diluted EPS After Extra1.040.7244.440.8967.42
Dividends Declared0.30000.1200150.000.2400100.00
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.330.97361.1914
ROAE11.758.2135410.32144
Net Interest Margin3.633.45183.567
Loans / Deposits85.1784.754284.4276
Efficiency Ratio58.8062.30(350)60.90(210)
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.9510.45(50)10.09(15)
Equity/ Assets11.3211.84(52)11.47(15)
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.610.92(31)0.68(7)
Loan Loss Reserves/ Gross Loans1.051.22(18)1.08(3)
Loan Loss Reserves/ NPAs118.2290.022,821108.74948
Net Charge-offs/ Avg Loans(0.01)0.07(8)(0.11)10
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio13.1413.33(19)13.32(18)
   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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