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

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Balance Sheet ($000)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves46,714,00044,780,0004.3245,810,0007.89
Loans Held for Sale, before Reserves93,00044,000111.3661,000209.84
Loan Loss Reserve495,000518,000(4.44)480,00012.50
Net Loans Receivable46,312,00044,306,0004.5345,391,0008.12
Intangible Assets1,015,0001,016,000(0.10)1,015,0000.00
Total Assets68,746,00066,288,0003.7166,731,00012.08
Deposits54,101,00052,621,0002.8153,785,0002.35
Debt, Senior and Subordinated6,377,0005,359,00019.004,659,000147.50
Common Equity7,012,0007,113,000(1.42)6,987,0001.43
Total Shareholders' Equity7,578,0007,679,000(1.32)7,553,0001.32
Shares Outstanding (actual)187,554,000197,532,000(5.05)192,169,000(9.61)
Income Statement ($000)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Net Interest Income576,000526,0189.50565,0007.79
Provision for Loan Losses7,000(11,000)NM(11,000)NM
Noninterest Income138,000139,073(0.77)137,0002.92
Noninterest Expense418,000416,0420.47419,000(0.95)
Net Income Before Taxes290,000260,00011.54292,000(2.74)
Provision for Taxes64,000136,000(52.94)69,000(28.99)
Net Income226,000124,00082.26223,0005.38
Per Share Items ($)
 2018 Q42017 Q4Y-Y
Ch (%)
2018 Q3Q-Q
Ch (%)
Book Value per Share37.3936.013.8236.3611.31
Tangible Book Value31.9730.873.5931.0811.56
Diluted EPS Before Extra1.080.54100.001.0415.38
Diluted EPS After Extra1.080.54100.001.0415.38
Dividends Declared0.30000.160087.500.30000.00
Performance Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
ROAA1.340.74601.331
ROAE12.056.3756811.7529
Net Interest Margin3.673.45223.634
Loans / Deposits86.3585.1012585.17117
Efficiency Ratio57.8061.60(380)58.80(100)
Balance Sheet Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.6910.21(52)9.95(26)
Equity/ Assets11.0211.58(56)11.32(30)
Asset Quality Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.540.84(30)0.61(7)
Loan Loss Reserves/ Gross Loans1.061.16(10)1.051
Loan Loss Reserves/ NPAs134.3593.054,130118.221,613
Net Charge-offs/ Avg Loans(0.07)0.11(18)(0.01)(6)
Regulatory Capital Ratios (%)
 2018 Q42017 Q4Y-Y
Ch (bp)
2018 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio12.7113.22(51)13.14(43)
   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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