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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)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves17,829,63816,955,5835.1517,508,6637.33
Loans Held for Sale, before Reserves372,073659,264(43.56)387,318(15.74)
Loan Loss Reserve136,292130,2434.64133,9846.89
Net Loans Receivable18,065,41917,484,6043.3217,761,9976.83
Intangible Assets1,822,8481,830,599(0.42)1,824,537(0.37)
Total Assets24,861,45823,935,6863.8724,813,1190.78
Deposits19,167,29318,162,9745.5319,020,9853.08
Debt, Senior and Subordinated1,521,0441,586,675(4.14)1,568,485(12.10)
Common Equity3,931,1503,878,6301.353,916,7951.47
Total Shareholders' Equity3,931,1503,878,6301.353,916,7951.47
Shares Outstanding (actual)220,349,000220,171,1630.08220,177,0300.31
Income Statement ($000)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Net Interest Income206,725217,702(5.04)207,796(2.06)
Provision for Loan Losses11,6724,823142.0113,171(45.52)
Noninterest Income60,22745,25533.0898,620(155.72)
Noninterest Expense181,194180,1920.56179,0434.81
Net Income Before Taxes72,56474,841(3.04)109,777(135.59)
Provision for Taxes26,56127,272(2.61)40,502(137.68)
Net Income46,00347,569(3.29)69,275(134.37)
Per Share Items ($)
 2017 Q12016 Q1Y-Y
Ch (%)
2016 Q4Q-Q
Ch (%)
Book Value per Share17.8417.621.2717.791.15
Tangible Book Value9.579.302.869.502.75
Diluted EPS Before Extra0.210.22(4.55)0.31(129.03)
Diluted EPS After Extra0.210.22(4.55)0.31(129.03)
Dividends Declared0.16000.16000.000.16000.00
Performance Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
ROAA0.750.82(7)1.11(36)
ROAE4.744.93(19)7.04(230)
Net Interest Margin3.854.34(49)3.832
Loans / Deposits93.0293.35(33)92.0597
Efficiency Ratio68.1569.48(133)59.65850
Balance Sheet Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.159.26(11)9.105
Equity/ Assets15.8116.20(39)15.793
Asset Quality Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.240.30(6)0.25(1)
Loan Loss Reserves/ Gross Loans0.750.7410.750
Loan Loss Reserves/ NPAsNA163.09NA179.58NA
Net Charge-offs/ Avg Loans0.210.11100.29(8)
Regulatory Capital Ratios (%)
 2017 Q12016 Q1Y-Y
Ch (bp)
2016 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio11.3010.884211.47(17)
   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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