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

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Balance Sheet ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves15,259,2017,637,90599.7815,136,4553.24
Loans Held for Sale, before Reserves265,800113,993133.17328,968(76.81)
Loan Loss Reserve115,63596,61219.69106,49534.33
Net Loans Receivable15,409,3667,655,286101.2915,358,9281.31
Intangible Assets1,845,242778,094137.151,842,6700.56
Total Assets22,488,05911,569,29794.3822,042,2298.09
Deposits16,727,6109,067,24084.4816,323,0009.92
Debt, Senior and Subordinated1,745,692656,024166.101,720,7545.80
Common Equity3,752,5081,725,995117.413,729,0602.52
Total Shareholders' Equity3,752,5081,725,995117.413,729,0602.52
Shares Outstanding (actual)217,261,722111,928,76294.11217,190,7210.13
Income Statement ($000)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Net Interest Income225,716106,809111.33212,25925.36
Provision for Loan Losses14,3331,1041,198.2814,696(9.88)
Noninterest Income61,02226,141133.4343,553160.44
Noninterest Expense173,92690,74891.66156,60044.26
Net Income Before Taxes90,74936,245150.3827,961898.22
Provision for Taxes31,76012,768148.7510,740782.87
Net Income58,98923,477151.2617,221970.16
Per Share Items ($)
 2014 Q32013 Q3Y-Y
Ch (%)
2014 Q2Q-Q
Ch (%)
Book Value per Share17.2715.4212.0117.172.38
Tangible Book Value8.788.473.668.694.29
Diluted EPS Before Extra0.270.2128.570.09800.00
Diluted EPS After Extra0.270.2128.570.09800.00
Dividends Declared0.15000.15000.000.15000.00
Performance Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
ROAA1.050.81240.3471
ROAE6.295.36932.05424
Net Interest Margin4.754.22535.01(26)
Loans / Deposits91.2284.2469992.73(151)
Efficiency Ratio59.8367.40(757)60.33(50)
Balance Sheet Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.248.78469.34(10)
Equity/ Assets16.6914.9217716.92(23)
Asset Quality Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.360.54(18)0.360
Loan Loss Reserves/ Gross Loans0.741.25(50)0.696
Loan Loss Reserves/ NPAs84.0074.2597575.00900
Net Charge-offs/ Avg Loans0.120.23(11)0.120
Regulatory Capital Ratios (%)
 2014 Q32013 Q3Y-Y
Ch (bp)
2014 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio14.1013.614913.5159
   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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