Financial Highlights
Email pagePDF viewPrint viewEmail AlertTear sheetSocial media sharingRSS Feeds

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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,118,5136,108,36616.547,105,8030.72
Loans Held for Sale, before Reserves21,27922,535(5.57)23,184(32.87)
Loan Loss Reserve64,57647,09337.1257,31850.65
Net Loans Receivable7,075,2166,083,80816.307,071,6690.20
Intangible Assets179,224181,806(1.42)179,311(0.19)
Total Assets8,362,2557,691,9408.718,440,010(3.69)
Deposits6,365,4765,226,71121.796,128,07515.50
Debt, Senior and Subordinated1,054,4051,608,165(34.43)1,343,539(86.08)
Common Equity885,365804,07610.11866,8458.55
Total Shareholders' Equity885,365804,07610.11866,8458.55
Shares Outstanding (actual)47,876,19847,645,8260.4847,773,1600.86
Income Statement ($000)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Net Interest Income74,08463,74216.2273,4803.29
Provision for Loan Losses7,50011,200(33.04)2,300904.35
Noninterest Income12,28311,4387.3912,771(15.28)
Noninterest Expense39,88139,0432.1540,841(9.40)
Net Income Before Taxes38,98025,09255.3541,616(25.34)
Provision for Taxes13,6758,64658.1714,399(20.11)
Net Income25,30516,44653.8727,217(28.10)
Per Share Items ($)
 2016 Q42015 Q4Y-Y
Ch (%)
2016 Q3Q-Q
Ch (%)
Book Value per Share18.4916.889.5818.157.67
Tangible Book Value14.7513.0612.9314.399.94
Diluted EPS Before Extra0.540.3554.290.58(27.59)
Diluted EPS After Extra0.540.3554.290.58(27.59)
Dividends Declared0.15000.14007.140.15000.00
Performance Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
ROAA1.200.95251.33(13)
ROAE11.508.2232812.66(116)
Net Interest Margin3.703.94(24)3.81(11)
Loans / Deposits111.83116.87(504)115.95(412)
Efficiency Ratio45.7951.83(604)46.81(102)
Balance Sheet Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.638.29348.3231
Equity/ Assets10.5910.451310.2732
Asset Quality Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.460.58880.6482
Loan Loss Reserves/ Gross Loans0.900.77140.8010
Loan Loss Reserves/ NPAs52.64103.47(5,083)104.62(5,198)
Net Charge-offs/ Avg Loans0.010.03(2)0.42(41)
Regulatory Capital Ratios (%)
 2016 Q42015 Q4Y-Y
Ch (bp)
2016 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio9.289.73(45)9.0622
   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.