Email pagePDF viewPrint viewEmail AlertFAQInformation RequestTear sheetMobile IR SiteRSS FeedsSocial media sharing

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)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves15,974,19715,136,4555.5315,548,95710.94
Loans Held for Sale, before Reserves419,704328,96827.58406,48713.01
Loan Loss Reserve127,071106,49519.32120,10423.20
Net Loans Receivable16,266,83015,358,9285.9115,835,34010.90
Intangible Assets1,839,7601,842,670(0.16)1,842,567(0.61)
Total Assets22,793,33122,038,9283.4222,953,158(2.79)
Deposits17,145,04616,323,0005.0417,222,566(1.80)
Debt, Senior and Subordinated1,569,3371,720,754(8.80)1,639,025(17.01)
Common Equity3,804,1793,725,7592.103,800,9700.34
Total Shareholders' Equity3,804,1793,725,7592.103,800,9700.34
Shares Outstanding (actual)220,279,738217,190,7211.42220,453,729(0.32)
Income Statement ($000)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Net Interest Income218,148212,2592.77215,9084.15
Provision for Loan Losses11,25414,696(23.42)12,637(43.78)
Noninterest Income80,38044,49080.6763,479106.50
Noninterest Expense180,100156,60015.01179,0162.42
Net Income Before Taxes85,39628,898195.5173,76863.05
Provision for Taxes30,61211,356169.5726,63959.66
Net Income54,78417,542212.3047,12964.97
Per Share Items ($)
 2015 Q22014 Q2Y-Y
Ch (%)
2015 Q1Q-Q
Ch (%)
Book Value per Share17.2717.150.6717.240.65
Tangible Book Value8.928.672.868.881.55
Diluted EPS Before Extra0.250.09177.780.2176.19
Diluted EPS After Extra0.250.09177.780.2176.19
Dividends Declared0.15000.15000.000.15000.00
Performance Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
ROAA0.960.35610.8412
ROAE5.762.093675.0274
Net Interest Margin4.505.01(51)4.53(3)
Loans / Deposits93.1792.734490.28289
Efficiency Ratio59.7460.12(38)63.38(364)
Balance Sheet Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.389.3259.2810
Equity/ Assets16.6916.91(22)16.5613
Asset Quality Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.310.37(6)0.36(5)
Loan Loss Reserves/ Gross Loans0.780.6990.752
Loan Loss Reserves/ NPAsNA75.00NA91.70NA
Net Charge-offs/ Avg Loans0.110.15(5)0.23(12)
Regulatory Capital Ratios (%)
 2015 Q22014 Q2Y-Y
Ch (bp)
2015 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio11.6013.51(191)11.80(20)
   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.



Copyright 2015, © SNL Financial LC  Terms of Use