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

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Balance Sheet ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves45,083,00042,742,0005.4844,780,0002.71
Loans Held for Sale, before Reserves90,000128,000(29.69)44,000418.18
Loan Loss Reserve473,000544,000(13.05)518,000(34.75)
Net Loans Receivable44,700,00042,326,0005.6144,306,0003.56
Intangible Assets1,016,0001,021,000(0.49)1,016,0000.00
Total Assets66,481,00065,463,0001.5666,288,0001.16
Deposits52,963,00053,475,000(0.96)52,621,0002.60
Debt, Senior and Subordinated5,250,0003,520,00049.155,359,000(8.14)
Common Equity7,078,0007,020,0000.837,113,000(1.97)
Total Shareholders' Equity7,644,0007,730,000(1.11)7,679,000(1.82)
Shares Outstanding (actual)197,050,000202,595,000(2.74)197,532,000(0.98)
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income542,000489,00010.84526,01812.15
Provision for Loan Losses(40,000)23,000NM(11,000)1,054.55
Noninterest Income138,000127,0008.66139,073(3.09)
Noninterest Expense412,000413,000(0.24)416,042(3.89)
Net Income Before Taxes308,000184,00067.39260,00073.85
Provision for Taxes70,00045,00055.56136,000(194.12)
Net Income238,000139,00071.22124,000367.74
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share35.9234.653.6636.01(0.99)
Tangible Book Value30.7629.613.8930.87(1.32)
Diluted EPS Before Extra1.090.6178.690.54407.41
Diluted EPS After Extra1.090.6178.690.54407.41
Dividends Declared0.20000.0800150.000.1600100.00
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.450.88570.7471
ROAE12.487.225276.37611
Net Interest Margin3.563.38183.4511
Loans / Deposits85.1279.9351985.102
Efficiency Ratio61.3065.90(460)61.60(30)
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets10.1210.41(29)10.21(8)
Equity/ Assets11.5011.81(31)11.58(9)
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.801.15(35)0.84(4)
Loan Loss Reserves/ Gross Loans1.051.27(22)1.16(11)
Loan Loss Reserves/ NPAs88.4572.031,64393.05(460)
Net Charge-offs/ Avg Loans0.040.43(39)0.11(6)
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio13.3213.64(32)13.2210
   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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