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

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Balance Sheet ($000)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,675,8365,476,38621.906,298,35623.97
Loans Held for Sale, before Reserves20,75219,9034.2717,61571.23
Loan Loss Reserve62,19430,867101.4955,48448.37
Net Loans Receivable6,634,3945,465,42221.396,260,48723.89
Intangible Assets179,397181,912(1.38)181,700(5.07)
Total Assets8,057,0056,669,62420.807,562,12626.18
Deposits5,622,6824,527,78324.185,302,84924.13
Debt, Senior and Subordinated1,511,5111,294,95116.721,355,81545.93
Common Equity843,304776,9248.54823,0529.84
Total Shareholders' Equity843,304776,9248.54823,0529.84
Shares Outstanding (actual)47,670,44047,619,4930.1147,645,8260.21
Income Statement ($000)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Net Interest Income69,35459,82115.9465,35124.50
Provision for Loan Losses6,8003,75081.338,800(90.91)
Noninterest Income12,45711,9644.1210,75563.30
Noninterest Expense39,61336,9007.3537,54222.07
Net Income Before Taxes36,66331,12717.7933,66435.63
Provision for Taxes13,44610,87623.6311,58264.38
Net Income23,21720,25114.6522,08220.56
Per Share Items ($)
 2016 Q22015 Q2Y-Y
Ch (%)
2016 Q1Q-Q
Ch (%)
Book Value per Share17.6916.328.4317.279.63
Tangible Book Value13.9312.5011.4613.4613.85
Diluted EPS Before Extra0.500.4413.640.4816.67
Diluted EPS After Extra0.500.4413.640.4816.67
Dividends Declared0.14000.13007.690.14000.00
Performance Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
ROAA1.201.28(8)1.23(3)
ROAE11.1110.624910.7932
Net Interest Margin3.814.08(27)3.90(9)
Loans / Deposits118.73120.95(222)118.77(4)
Efficiency Ratio48.1751.61(344)48.96(79)
Balance Sheet Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.439.17(74)8.69(26)
Equity/ Assets10.4711.65(118)10.88(42)
Asset Quality Ratios (%)
 2016 Q22015 Q2Y-Y
Ch (bp)
2016 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.700.47230.75(5)
Loan Loss Reserves/ Gross Loans0.930.56370.885
Loan Loss Reserves/ NPAs109.5394.931,46096.581,294
Net Charge-offs/ Avg Loans0.010.09(8)0.03(2)
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.