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

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Balance Sheet ($000)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves15,136,4557,220,543109.637,763,691379.86
Loans Held for Sale, before Reserves328,968173,99489.0773,1061,399.95
Loan Loss Reserve106,495100,2036.2897,02939.02
Net Loans Receivable15,358,9287,294,334110.567,739,768393.77
Intangible Assets1,842,670682,971169.80775,488550.46
Total Assets22,042,22911,392,20893.4911,838,726344.75
Deposits16,323,0008,956,32582.259,273,583304.06
Debt, Senior and Subordinated1,720,754617,209178.80703,065579.00
Common Equity3,729,0601,715,352117.391,734,476459.99
Total Shareholders' Equity3,729,0601,715,352117.391,734,476459.99
Shares Outstanding (actual)217,190,721111,898,62094.10112,319,525373.47
Income Statement ($000)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Net Interest Income212,25993,893126.06107,838387.33
Provision for Loan Losses14,696(79)NM5,971584.49
Noninterest Income43,55334,48926.2823,007357.21
Noninterest Expense156,60087,12179.7590,535291.89
Net Income Before Taxes27,96140,538(31.03)28,356(5.57)
Provision for Taxes10,74014,285(24.82)9,59247.87
Net Income17,22126,253(34.40)18,764(32.89)
Per Share Items ($)
 2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share17.1715.3312.0015.4444.74
Tangible Book Value8.699.23(5.86)8.546.90
Diluted EPS Before Extra0.090.23(60.87)0.14(142.86)
Diluted EPS After Extra0.090.23(60.87)0.14(142.86)
Dividends Declared0.15000.2000(25.00)0.15000.00
Performance Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA0.340.91(57)0.65(31)
ROAE2.056.05(400)4.35(230)
Net Interest Margin5.013.731284.2873
Loans / Deposits92.7380.621,21183.72901
Efficiency Ratio60.3366.97(664)68.34(801)
Balance Sheet Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.349.64(30)8.6767
Equity/ Assets16.9215.0618614.65227
Asset Quality Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.360.60(24)0.53(17)
Loan Loss Reserves/ Gross Loans0.691.36(67)1.24(55)
Loan Loss Reserves/ NPAs75.0073.6913175.91(91)
Net Charge-offs/ Avg Loans0.120.1110.21(9)
Regulatory Capital Ratios (%)
 2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio13.5115.46(195)13.57(6)
   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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