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 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves15,548,9577,763,691100.2815,327,7325.77
Loans Held for Sale, before Reserves406,48773,106456.02286,802166.92
Loan Loss Reserve120,10497,02923.78116,16713.56
Net Loans Receivable15,835,3407,739,768104.6015,498,3678.70
Intangible Assets1,842,567775,488137.601,842,958(0.08)
Total Assets22,953,15811,834,81093.9522,609,9036.07
Deposits17,222,5669,273,58385.7216,892,0997.83
Debt, Senior and Subordinated1,639,025703,065133.131,670,586(7.56)
Common Equity3,800,9701,730,560119.643,777,6262.47
Total Shareholders' Equity3,800,9701,730,560119.643,777,6262.47
Shares Outstanding (actual)220,453,729112,319,52596.27220,161,1200.53
Income Statement ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income215,908107,838100.22228,015(21.24)
Provision for Loan Losses12,6375,971111.645,241564.47
Noninterest Income63,47923,238173.1749,279115.26
Noninterest Expense179,01690,53597.73180,685(3.69)
Net Income Before Taxes73,76828,587158.0582,223(41.13)
Provision for Taxes26,6399,936168.1129,641(40.51)
Net Income47,12918,651152.6952,582(41.48)
Per Share Items ($)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share17.2415.4111.9017.161.94
Tangible Book Value8.888.504.478.794.37
Diluted EPS Before Extra0.210.1631.250.24(50.00)
Diluted EPS After Extra0.210.1631.250.24(50.00)
Dividends Declared0.15000.15000.000.15000.00
Performance Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA0.840.65190.92(8)
ROAE5.024.32705.59(57)
Net Interest Margin4.534.28254.69(16)
Loans / Deposits90.2883.7265690.74(46)
Efficiency Ratio61.8668.22(636)62.61(75)
Balance Sheet Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.288.64649.32(4)
Equity/ Assets16.5614.6219416.71(15)
Asset Quality Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.360.54(18)0.43(7)
Loan Loss Reserves/ Gross Loans0.751.24(49)0.741
Loan Loss Reserves/ NPAs90.1675.911,42581.31885
Net Charge-offs/ Avg Loans0.230.2210.1210
Regulatory Capital Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio11.8513.57(172)14.44(259)
   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