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

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Balance Sheet ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Loans Held for Investment, before Reserves5,232,3072,796,59587.103,417,169212.47
Loans Held for Sale, before Reserves23,9830NM0NM
Loan Loss Reserve28,27619,40245.7425,54942.69
Net Loans Receivable5,228,0142,777,19388.253,391,620216.58
Intangible Assets180,30030,511490.9330,2661,982.87
Total Assets6,512,5083,603,58880.724,164,114225.58
Deposits4,398,1762,369,24685.642,657,809261.93
Debt, Senior and Subordinated1,288,235632,996103.51887,907180.35
Common Equity761,059550,09938.35568,223135.75
Total Shareholders' Equity761,059550,09938.35568,223135.75
Shares Outstanding (actual)47,602,72139,946,56019.1740,014,85175.85
Income Statement ($000)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Net Interest Income56,32629,58590.3935,830228.81
Provision for Loan Losses3,000376697.872,63755.06
Noninterest Income8,1754,96264.755,297217.33
Noninterest Expense35,21121,98660.1521,517254.57
Net Income Before Taxes24,95612,016107.698,691748.59
Provision for Taxes8,6324,33499.173,225670.64
Net Income16,3247,682112.505,466794.58
Per Share Items ($)
 2015 Q12014 Q1Y-Y
Ch (%)
2014 Q4Q-Q
Ch (%)
Book Value per Share15.9913.7716.1014.2050.35
Tangible Book Value12.2013.01(6.20)13.44(37.01)
Diluted EPS Before Extra0.350.2075.000.14600.00
Diluted EPS After Extra0.350.2075.000.14600.00
Dividends Declared0.13000.12008.330.120033.33
Performance Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
ROAA1.090.92170.5653
ROAE8.665.623043.83483
Net Interest Margin4.053.76293.8421
Loans / Deposits118.97118.0493128.57(961)
Efficiency Ratio53.8763.39(952)52.22165
Balance Sheet Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.1714.54(537)13.01(384)
Equity/ Assets11.6915.27(358)13.65(196)
Asset Quality Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.450.64(19)0.58(13)
Loan Loss Reserves/ Gross Loans0.540.69(16)0.75(21)
Loan Loss Reserves/ NPAs93.4280.301,312101.56(814)
Net Charge-offs/ Avg Loans0.020.05(3)(0.04)6
Regulatory Capital Ratios (%)
 2015 Q12014 Q1Y-Y
Ch (bp)
2014 Q4Q-Q
Ch (bp)
Tier 1 Capital Ratio10.4417.88(744)15.14(470)
   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.