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

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Balance Sheet ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,728,1667,176,4337.697,637,9054.73
Loans Held for Sale, before Reserves104,664320,132(67.31)113,993(32.74)
Loan Loss Reserve95,085103,666(8.28)96,612(6.32)
Net Loans Receivable7,737,7457,392,8994.667,655,2864.31
Intangible Assets776,683685,33113.33778,094(0.73)
Total Assets11,636,11211,795,443(1.35)11,569,2972.31
Deposits9,117,6609,379,275(2.79)9,067,2402.22
Debt, Senior and Subordinated665,549586,74613.43656,0245.81
Common Equity1,727,4261,724,0390.201,725,9950.33
Total Shareholders' Equity1,727,4261,724,0390.201,725,9950.33
Shares Outstanding (actual)111,973,203111,889,9590.07111,928,7620.16
Income Statement ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income110,074101,8298.10106,80912.23
Provision for Loan Losses2,4718,016(69.17)1,104495.29
Noninterest Income24,79442,418(41.55)26,141(20.61)
Noninterest Expense93,72596,046(2.42)90,74813.12
Net Income Before Taxes39,02442,754(8.72)36,24530.67
Provision for Taxes13,75414,796(7.04)12,76830.89
Net Income25,27027,958(9.61)23,47730.55
Per Share Items ($)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share15.4315.410.1215.420.17
Tangible Book Value8.499.28(8.54)8.471.04
Diluted EPS Before Extra0.220.25(12.00)0.2119.05
Diluted EPS After Extra0.220.25(12.00)0.2119.05
Dividends Declared0.15000.090066.670.15000.00
Performance Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA0.860.95(9)0.815
ROAE5.736.42(69)5.3637
Net Interest Margin4.293.95344.227
Loans / Deposits84.7676.5182584.2452
Efficiency Ratio67.6663.8038667.4026
Balance Sheet Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.759.35(59)8.78(3)
Equity/ Assets14.8514.622314.92(7)
Asset Quality Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.490.75(26)0.54(5)
Loan Loss Reserves/ Gross Loans1.211.38(17)1.25(3)
Loan Loss Reserves/ NPAs77.6167.111,05075.74187
Net Charge-offs/ Avg Loans0.170.25(8)0.23(5)
Regulatory Capital Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio13.5615.27(171)13.61(5)
   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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