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

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Balance Sheet ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,298,3565,232,30720.376,108,36612.44
Loans Held for Sale, before Reserves17,61523,983(26.55)22,535(87.33)
Loan Loss Reserve55,48428,27696.2247,09371.27
Net Loans Receivable6,260,4875,228,01419.756,083,80811.62
Intangible Assets181,700180,3000.78181,806(0.23)
Total Assets7,562,1266,510,95116.147,691,940(6.75)
Deposits5,302,8494,393,06120.715,226,7115.83
Debt, Senior and Subordinated1,355,8151,288,2355.251,608,165(62.77)
Common Equity823,052761,0598.15804,0769.44
Total Shareholders' Equity823,052761,0598.15804,0769.44
Shares Outstanding (actual)47,645,82647,602,7210.0947,645,8260.00
Income Statement ($000)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Net Interest Income65,35156,32616.0263,74210.10
Provision for Loan Losses8,8003,000193.3311,200(85.71)
Noninterest Income10,7559,19616.9511,576(28.37)
Noninterest Expense37,54236,2323.6239,043(15.38)
Net Income Before Taxes33,66424,95634.8925,092136.65
Provision for Taxes11,5828,63234.188,646135.83
Net Income22,08216,32435.2716,446137.08
Per Share Items ($)
 2016 Q12015 Q1Y-Y
Ch (%)
2015 Q4Q-Q
Ch (%)
Book Value per Share17.2715.998.0516.889.44
Tangible Book Value13.4612.2010.3313.0612.27
Diluted EPS Before Extra0.480.3537.140.35148.57
Diluted EPS After Extra0.480.3537.140.35148.57
Dividends Declared0.14000.13007.690.14000.00
Performance Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
ROAA1.231.08150.9528
ROAE10.798.592208.22257
Net Interest Margin3.904.05(15)3.94(4)
Loans / Deposits118.77119.10(33)116.87190
Efficiency Ratio48.9654.58(562)51.85(289)
Balance Sheet Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.699.17(48)8.2940
Equity/ Assets10.8811.69(81)10.4543
Asset Quality Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.750.45300.5817
Loan Loss Reserves/ Gross Loans0.880.54340.7711
Loan Loss Reserves/ NPAs96.5893.42316103.47(689)
Net Charge-offs/ Avg Loans0.030.0200.03(1)
Regulatory Capital Ratios (%)
 2016 Q12015 Q1Y-Y
Ch (bp)
2015 Q4Q-Q
Ch (bp)
Tier 1 Capital RatioNA10.44NANANA
   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.