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Financial information

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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves19,314,58917,829,6388.3319,080,1844.91
Loans Held for Sale, before Reserves299,739372,073(19.44)259,51861.99
Loan Loss Reserve141,933136,2924.14140,6083.77
Net Loans Receivable19,472,39518,065,4197.7919,199,0945.69
Intangible Assets1,816,2401,822,848(0.36)1,817,781(0.34)
Total Assets25,875,64324,861,4584.0825,741,4392.09
Deposits20,106,85619,167,2934.9019,948,3003.18
Debt, Senior and Subordinated1,461,1571,521,044(3.94)1,474,420(3.60)
Common Equity4,013,8823,931,1502.104,014,786(0.09)
Total Shareholders' Equity4,013,8823,931,1502.104,014,786(0.09)
Shares Outstanding (actual)220,460,836220,349,1110.05220,148,8240.57
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income223,231206,7257.98220,6214.73
Provision for Loan Losses13,65611,67217.0012,92822.52
Noninterest Income78,56760,22730.4570,45046.09
Noninterest Expense183,613181,2261.32186,380(5.94)
Net Income Before Taxes102,02972,56440.6185,35778.13
Provision for Taxes24,36026,561(8.29)3,4862,395.18
Net Income77,66946,00368.8381,871(20.53)
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share18.2117.842.0518.24(0.66)
Tangible Book Value9.979.574.189.98(0.45)
Diluted EPS Before Extra0.350.2166.670.37(21.62)
Diluted EPS After Extra0.350.2166.670.37(21.62)
Dividends Declared0.20000.160025.000.180044.44
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.230.75481.27(4)
ROAE7.844.743108.12(28)
Net Interest Margin3.963.85113.888
Loans / Deposits96.0693.0230495.6541
Efficiency Ratio61.5668.15(659)65.63(407)
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.139.15(2)9.18(5)
Equity/ Assets15.5115.81(30)15.60(8)
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.330.2490.37(4)
Loan Loss Reserves/ Gross Loans0.720.75(3)0.730
Loan Loss Reserves/ NPAs156.85174.51(1,766)147.46940
Net Charge-offs/ Avg Loans0.250.2150.251
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio10.9811.27(29)11.07(9)
   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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