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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)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves17,508,66316,866,5363.8117,392,0512.68
Loans Held for Sale, before Reserves387,318363,2756.62565,624(126.10)
Loan Loss Reserve133,984130,3222.81133,6920.87
Net Loans Receivable17,761,99717,099,4893.8717,823,983(1.39)
Intangible Assets1,824,5371,833,301(0.48)1,826,404(0.41)
Total Assets24,813,11923,406,3816.0124,744,2141.11
Deposits19,020,98517,707,1897.4218,918,7802.16
Debt, Senior and Subordinated1,568,4851,550,0401.191,573,267(1.22)
Common Equity3,916,7953,849,3341.753,920,208(0.35)
Total Shareholders' Equity3,916,7953,849,3341.753,920,208(0.35)
Shares Outstanding (actual)220,177,030220,171,0910.00220,207,300(0.05)
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income207,796219,834(5.48)209,892(3.99)
Provision for Loan Losses13,1714,545189.7913,0912.44
Noninterest Income98,62066,77847.6880,71088.76
Noninterest Expense179,043182,199(1.73)177,4483.60
Net Income Before Taxes109,77798,72311.2096,32455.87
Provision for Taxes40,50235,70413.4434,51569.38
Net Income69,27563,0199.9361,80948.32
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share17.7917.481.7517.80(0.29)
Tangible Book Value9.509.163.789.51(0.24)
Diluted EPS Before Extra0.310.2810.710.2842.86
Diluted EPS After Extra0.310.2810.710.2842.86
Dividends Declared0.16000.16000.000.16000.00
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.111.0831.0110
ROAE7.046.49556.2876
Net Interest Margin3.834.39(56)3.95(12)
Loans / Deposits92.0595.25(320)91.9312
Efficiency Ratio59.6563.00(335)58.9669
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.109.35(24)9.14(3)
Equity/ Assets15.7916.45(66)15.84(6)
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.250.28(3)0.250
Loan Loss Reserves/ Gross Loans0.750.76(1)0.740
Loan Loss Reserves/ NPAs179.58161.361,822185.94(636)
Net Charge-offs/ Avg Loans0.290.10190.235
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio11.4711.65(18)11.2522
   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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