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

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Balance Sheet ($000)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Loans Held for Investment, before ReservesNA7,131,267NA7,728,166NA
Loans Held for Sale, before Reserves73,106133,100(45.07)104,664(120.61)
Loan Loss ReserveNA102,913NA95,085NA
Net Loans Receivable7,739,7687,161,4548.087,737,7450.10
Intangible Assets775,488684,12513.35776,683(0.62)
Total Assets11,838,72611,491,4103.0211,636,1126.97
Deposits9,273,5839,071,6552.239,117,6606.84
Debt, Senior and Subordinated703,065583,64720.46665,54922.55
Common Equity1,734,4761,734,2630.011,727,4261.63
Total Shareholders' Equity1,734,4761,734,2630.011,727,4261.63
Shares Outstanding (actual)112,319,525111,960,5800.32111,973,2031.24
Income Statement ($000)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Net Interest Income107,83894,18914.49110,074(8.13)
Provision for Loan Losses5,9717,220(17.30)2,471566.57
Noninterest Income23,00734,008(32.35)24,794(28.83)
Noninterest Expense90,53584,2317.4893,725(13.61)
Net Income Before Taxes28,35635,222(19.49)39,024(109.35)
Provision for Taxes9,59211,861(19.13)13,754(121.04)
Net Income18,76423,361(19.68)25,270(102.98)
Per Share Items ($)
 2014 Q12013 Q1Y-Y
Ch (%)
2013 Q4Q-Q
Ch (%)
Book Value per Share15.4415.49(0.31)15.430.39
Tangible Book Value8.549.38(8.97)8.492.22
Diluted EPS Before Extra0.170.21(19.05)0.22(90.91)
Diluted EPS After Extra0.170.21(19.05)0.22(90.91)
Dividends Declared0.15000.100050.000.15000.00
Performance Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
ROAA0.650.82(17)0.86(21)
ROAE4.355.43(108)5.73(138)
Net Interest Margin4.283.77514.29(1)
Loans / DepositsNA78.61NA84.76NA
Efficiency Ratio68.3464.8335167.6668
Balance Sheet Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.679.72(105)8.75(9)
Equity/ Assets14.6515.09(44)14.85(19)
Asset Quality Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.530.69(16)0.494
Loan Loss Reserves/ Gross LoansNA1.42NA1.21NA
Loan Loss Reserves/ NPAsNA69.54NA77.61NA
Net Charge-offs/ Avg Loans0.210.45(23)0.174
Regulatory Capital Ratios (%)
 2014 Q12013 Q1Y-Y
Ch (bp)
2013 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA15.65NA13.56NA
   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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