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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)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves17,355,24015,988,7528.5516,955,5839.43
Loans Held for Sale, before Reserves552,681419,70431.68659,264(64.67)
Loan Loss Reserve131,042127,0713.13130,2432.45
Net Loans Receivable17,776,87916,281,3859.1917,484,6046.69
Intangible Assets1,828,2711,839,760(0.62)1,830,599(0.51)
Total Assets24,132,50722,807,8865.8123,935,6863.29
Deposits18,258,47417,145,0466.4918,162,9742.10
Debt, Senior and Subordinated1,622,9861,569,3373.421,586,6759.15
Common Equity3,902,1583,804,1792.583,878,6302.43
Total Shareholders' Equity3,902,1583,804,1792.583,878,6302.43
Shares Outstanding (actual)220,482,000220,279,7380.09220,171,1630.56
Income Statement ($000)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income209,198217,466(3.80)217,702(15.63)
Provision for Loan Losses10,58911,254(5.91)4,823478.21
Noninterest Income74,49781,083(8.12)45,255258.46
Noninterest Expense180,443180,1210.18180,1920.56
Net Income Before Taxes84,75785,396(0.75)74,84153.00
Provision for Taxes30,47030,612(0.46)27,27246.91
Net Income54,28754,784(0.91)47,56956.49
Per Share Items ($)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per Share17.7017.272.4817.621.86
Tangible Book Value9.418.925.489.304.48
Diluted EPS Before Extra0.250.250.000.2254.55
Diluted EPS After Extra0.250.250.000.2254.55
Dividends Declared0.16000.15006.670.16000.00
Performance Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA0.910.96(5)0.829
ROAE5.615.77(16)4.9368
Net Interest Margin4.084.48(40)4.34(26)
Loans / Deposits95.0593.2618093.35170
Efficiency Ratio66.1567.35(120)69.48(333)
Balance Sheet Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.309.37(7)9.263
Equity/ Assets16.1716.68(51)16.20(3)
Asset Quality Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.270.31(4)0.30(3)
Loan Loss Reserves/ Gross Loans0.730.77(4)0.74(1)
Loan Loss Reserves/ NPAsNA138.19NA163.09NA
Net Charge-offs/ Avg Loans0.220.11110.1111
Regulatory Capital Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tier 1 Capital RatioNANANANANA
   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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