Trend Analysis--Quarterly (
click here for Annual Analysis
)
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Balance Sheet ($000)
2013 Q1
2012 Q1
Y-Y
Ch (%)
2012 Q4
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
7,131,267
6,547,084
8.92
7,176,433
(2.52)
Loans Held for Sale, before Reserves
133,100
130,766
1.78
320,132
(233.69)
Loan Loss Reserve
102,913
99,305
3.63
103,666
(2.91)
Net Loans Receivable
7,161,454
6,578,545
8.86
7,392,899
(12.52)
Intangible Assets
684,125
676,010
1.20
685,331
(0.70)
Total Assets
11,491,410
11,452,548
0.34
11,795,443
(10.31)
Deposits
9,071,655
9,115,165
(0.48)
9,379,275
(13.12)
Debt, Senior and Subordinated
583,647
567,721
2.81
586,746
(2.11)
Common Equity
1,734,263
1,687,052
2.80
1,724,039
2.37
Total Shareholders' Equity
1,734,263
1,687,052
2.80
1,724,039
2.37
Shares Outstanding (actual)
111,960,580
111,892,969
0.06
111,889,959
0.25
Income Statement ($000)
2013 Q1
2012 Q1
Y-Y
Ch (%)
2012 Q4
Q-Q
Ch (%)
†
Net Interest Income
94,189
102,355
(7.98)
101,829
(30.01)
Provision for Loan Losses
7,220
3,136
130.23
8,016
(39.72)
Noninterest Income
33,308
27,089
22.96
42,418
(85.91)
Noninterest Expense
84,231
87,596
(3.84)
96,046
(49.21)
Net Income Before Taxes
35,222
38,760
(9.13)
42,754
(70.47)
Provision for Taxes
11,861
13,257
(10.53)
14,796
(79.35)
Net Income
23,361
25,503
(8.40)
27,958
(65.77)
Per Share Items ($)
2013 Q1
2012 Q1
Y-Y
Ch (%)
2012 Q4
Q-Q
Ch (%)
†
Book Value per Share
15.49
15.08
2.74
15.41
2.12
Tangible Book Value
9.38
9.04
3.80
9.28
4.15
Diluted EPS Before Extra
0.21
0.23
(8.70)
0.25
(64.00)
Diluted EPS After Extra
0.21
0.23
(8.70)
0.25
(64.00)
Dividends Declared
0.1000
0.0700
42.86
0.0900
44.44
Performance Ratios (%)
2013 Q1
2012 Q1
Y-Y
Ch (bp)
2012 Q4
Q-Q
Ch (bp)
ROAA
0.82
0.89
(7)
0.95
(13)
ROAE
5.43
6.07
(64)
6.42
(99)
Net Interest Margin
3.77
4.08
(31)
3.95
(18)
Loans / Deposits
78.61
71.83
678
76.51
210
Efficiency Ratio
64.83
67.07
(224)
63.80
103
Balance Sheet Ratios (%)
2013 Q1
2012 Q1
Y-Y
Ch (bp)
2012 Q4
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
9.72
9.38
34
9.35
37
Equity/ Assets
15.09
14.73
36
14.62
48
Asset Quality Ratios (%)
2013 Q1
2012 Q1
Y-Y
Ch (bp)
2012 Q4
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
0.69
1.05
(36)
0.75
(6)
Loan Loss Reserves/ Gross Loans
1.42
1.49
(7)
1.38
3
Loan Loss Reserves/ NPAs
69.54
53.66
1,588
67.11
243
Net Charge-offs/ Avg Loans
0.45
0.63
(18)
0.25
19
Regulatory Capital Ratios (%)
2013 Q1
2012 Q1
Y-Y
Ch (bp)
2012 Q4
Q-Q
Ch (bp)
Tier 1 Capital Ratio
15.65
16.04
(39)
15.27
38
†
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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© SNL Financial LC
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