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

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Balance Sheet ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves45,230,00043,683,0003.5445,083,0001.30
Loans Held for Sale, before Reserves84,00053,00058.4990,000(26.67)
Loan Loss Reserve490,000544,000(9.93)473,00014.38
Net Loans Receivable44,824,00043,192,0003.7844,700,0001.11
Intangible Assets1,015,0001,019,000(0.39)1,016,000(0.39)
Total Assets66,457,00065,446,0001.5466,481,000(0.14)
Deposits53,580,00052,378,0002.2952,963,0004.66
Debt, Senior and Subordinated4,541,0004,725,000(3.89)5,250,000(54.02)
Common Equity7,055,0007,183,000(1.78)7,078,000(1.30)
Total Shareholders' Equity7,621,0007,749,000(1.65)7,644,000(1.20)
Shares Outstanding (actual)195,392,000202,131,000(3.33)197,050,000(3.37)
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income548,000528,0003.79542,0004.43
Provision for Loan Losses5,0007,000(28.57)(40,000)NM
Noninterest Income137,000130,0005.38138,000(2.90)
Noninterest Expense428,000404,0005.94412,00015.53
Net Income Before Taxes253,000248,0002.02308,000(71.43)
Provision for Taxes56,00080,000(30.00)70,000(80.00)
Net Income197,000168,00017.26238,000(68.91)
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share36.1135.541.6135.922.08
Tangible Book Value30.9130.501.3730.761.93
Diluted EPS Before Extra0.890.7321.921.09(73.39)
Diluted EPS After Extra0.890.7321.921.09(73.39)
Dividends Declared0.24000.0800200.000.200080.00
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.191.03161.45(26)
ROAE10.328.5917312.48(217)
Net Interest Margin3.563.5243.560
Loans / Deposits84.4283.4010285.12(71)
Efficiency Ratio60.9059.8011061.30(40)
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.0910.45(35)10.12(3)
Equity/ Assets11.4711.84(37)11.50(3)
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.681.00(33)0.80(13)
Loan Loss Reserves/ Gross Loans1.081.24(16)1.053
Loan Loss Reserves/ NPAs108.7482.822,59288.452,029
Net Charge-offs/ Avg Loans(0.11)0.06(17)0.04(15)
Regulatory Capital Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio13.3213.41(9)13.320
   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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