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Financial information

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

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Balance Sheet ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves16,955,58315,548,9579.0516,866,5362.11
Loans Held for Sale, before Reserves659,264406,48762.19363,275325.91
Loan Loss Reserve130,243120,1048.44130,322(0.24)
Net Loans Receivable17,484,60415,835,34010.4217,099,4899.01
Intangible Assets1,830,5991,842,567(0.65)1,833,301(0.59)
Total Assets23,935,68622,953,1584.2823,406,3819.05
Deposits18,162,97417,222,5665.4617,707,18910.30
Debt, Senior and Subordinated1,586,6751,639,025(3.19)1,550,0409.45
Common Equity3,878,6303,800,9702.043,849,3343.04
Total Shareholders' Equity3,878,6303,800,9702.043,849,3343.04
Shares Outstanding (actual)220,171,163220,453,729(0.13)220,171,0910.00
Income Statement ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income217,702215,1191.20219,834(3.88)
Provision for Loan Losses4,82312,637(61.83)4,54524.47
Noninterest Income45,25563,789(29.06)66,778(128.92)
Noninterest Expense180,192178,5370.93182,199(4.41)
Net Income Before Taxes74,84173,7681.4598,723(96.76)
Provision for Taxes27,27226,6392.3835,704(94.47)
Net Income47,56947,1290.9363,019(98.07)
Per Share Items ($)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share17.6217.242.1717.483.04
Tangible Book Value9.308.884.719.166.35
Diluted EPS Before Extra0.220.214.760.28(85.71)
Diluted EPS After Extra0.220.214.760.28(85.71)
Dividends Declared0.16000.15006.670.16000.00
Performance Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA0.820.84(2)1.08(26)
ROAE4.935.02(9)6.49(156)
Net Interest Margin4.344.51(17)4.37(3)
Loans / Deposits93.3590.2830795.25(190)
Efficiency Ratio69.4868.717764.02546
Balance Sheet Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.269.28(1)9.35(8)
Equity/ Assets16.2016.56(36)16.45(24)
Asset Quality Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.300.36(6)0.282
Loan Loss Reserves/ Gross Loans0.740.75(1)0.76(2)
Loan Loss Reserves/ NPAs159.0991.706,739161.36(227)
Net Charge-offs/ Avg Loans0.110.23(11)0.101
Regulatory Capital Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA11.80NANANA
   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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