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

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Balance Sheet ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,596,5937,115,0586.777,810,418(10.95)
Loans Held for Sale, before Reserves31,12319,31561.1316,707345.15
Loan Loss Reserve74,50870,6565.4571,30117.99
Net Loans Receivable7,553,2087,063,7176.937,755,824(10.45)
Intangible Assets178,906179,144(0.13)178,961(0.12)
Total Assets8,865,6248,436,5425.099,086,196(9.71)
Deposits6,954,4076,379,6469.016,767,68311.04
Debt, Senior and Subordinated815,8171,041,230(21.65)1,262,361(141.49)
Common Equity979,494899,9178.84959,8748.18
Total Shareholders' Equity979,494899,9178.84959,8748.18
Shares Outstanding (actual)48,264,96647,940,1330.6848,117,3901.23
Income Statement ($000)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Net Interest Income78,61376,5482.7080,199(7.91)
Provision for Loan Losses15,63522,700(31.12)3,9001,203.59
Noninterest Income10,81610,8000.156,901226.92
Noninterest Expense43,26839,30810.0740,55126.80
Net Income Before Taxes31,96926,62520.0742,649(100.17)
Provision for Taxes6,2078,435(26.41)27,989(311.29)
Net Income25,76218,19041.6314,660302.92
Per Share Items ($)
 2018 Q12017 Q1Y-Y
Ch (%)
2017 Q4Q-Q
Ch (%)
Book Value per Share20.2918.778.1119.956.93
Tangible Book Value16.5915.0310.3316.238.82
Diluted EPS Before Extra0.540.3842.110.31296.77
Diluted EPS After Extra0.540.3842.110.31296.77
Dividends Declared0.16000.15006.670.16000.00
Performance Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
ROAA1.190.89300.6653
ROAE10.598.082516.09450
Net Interest Margin3.864.01(15)3.788
Loans / Deposits109.23111.53(229)115.41(617)
Efficiency Ratio48.4044.8335746.74166
Balance Sheet Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.228.73498.7745
Equity/ Assets11.0510.673810.5648
Asset Quality Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.651.43(78)1.13(48)
Loan Loss Reserves/ Gross Loans0.980.99(1)0.917
Loan Loss Reserves/ NPAs126.8758.156,87268.825,805
Net Charge-offs/ Avg Loans0.670.97(30)0.1453
Regulatory Capital Ratios (%)
 2018 Q12017 Q1Y-Y
Ch (bp)
2017 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio10.069.44629.5452
   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.