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

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Balance Sheet ($000)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,108,3663,417,16978.765,645,97432.76
Loans Held for Sale, before Reserves22,5350NM22,802(4.68)
Loan Loss Reserve47,09325,54984.3236,382117.76
Net Loans Receivable6,083,8083,391,62079.385,632,39432.06
Intangible Assets181,80630,266500.69181,7740.07
Total Assets7,691,9404,164,11484.726,878,84347.28
Deposits5,226,7112,657,80996.654,770,05038.29
Debt, Senior and Subordinated1,608,165887,90781.121,236,081120.41
Common Equity804,076568,22341.51792,6375.77
Total Shareholders' Equity804,076568,22341.51792,6375.77
Shares Outstanding (actual)47,645,82640,014,85119.0747,640,1930.05
Income Statement ($000)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Net Interest Income63,74235,83077.9061,18816.70
Provision for Loan Losses11,2002,637324.737,515196.14
Noninterest Income11,5765,297118.5411,876(10.10)
Noninterest Expense39,04321,51781.4537,82712.86
Net Income Before Taxes25,0928,691188.7127,697(37.62)
Provision for Taxes8,6463,225168.099,802(47.17)
Net Income16,4465,466200.8817,895(32.39)
Per Share Items ($)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Book Value per Share16.8814.2018.8416.645.72
Tangible Book Value13.0613.44(2.85)12.827.42
Diluted EPS Before Extra0.350.14150.000.38(31.58)
Diluted EPS After Extra0.350.14150.000.38(31.58)
Dividends Declared0.14000.120016.670.14000.00
Performance Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
ROAA0.950.56391.10(15)
ROAE8.223.834399.11(89)
Net Interest Margin3.943.84104.02(8)
Loans / Deposits116.87128.57(1,170)118.36(149)
Efficiency Ratio51.8552.22(37)51.89(4)
Balance Sheet Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.2913.01(473)9.12(84)
Equity/ Assets10.4513.65(319)11.52(107)
Asset Quality Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.580.5801.03(45)
Loan Loss Reserves/ Gross Loans0.770.7520.6413
Loan Loss Reserves/ NPAs103.47101.5619150.805,267
Net Charge-offs/ Avg Loans0.03(0.04)80.15(12)
Regulatory Capital Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA15.14NANANA
   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.