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

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Balance Sheet ($000)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,105,8035,645,97425.866,675,83625.76
Loans Held for Sale, before Reserves23,18422,8021.6820,75246.88
Loan Loss Reserve57,31836,38257.5462,194(31.36)
Net Loans Receivable7,071,6695,632,39425.556,634,39426.36
Intangible Assets179,311181,774(1.35)179,397(0.19)
Total Assets8,440,0106,878,84322.708,057,00519.01
Deposits6,128,0754,770,05028.475,622,68235.95
Debt, Senior and Subordinated1,343,5391,236,0818.691,511,511(44.45)
Common Equity866,845792,6379.36843,30411.17
Total Shareholders' Equity866,845792,6379.36843,30411.17
Shares Outstanding (actual)47,773,16047,640,1930.2847,670,4400.86
Income Statement ($000)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Net Interest Income73,48061,18820.0969,35423.80
Provision for Loan Losses2,3007,515(69.39)6,800(264.71)
Noninterest Income12,78011,8767.6112,45710.37
Noninterest Expense40,84137,8277.9739,61312.40
Net Income Before Taxes41,61627,69750.2536,66354.04
Provision for Taxes14,3999,80246.9013,44628.35
Net Income27,21717,89552.0923,21768.92
Per Share Items ($)
 2016 Q32015 Q3Y-Y
Ch (%)
2016 Q2Q-Q
Ch (%)
Book Value per Share18.1516.649.0617.6910.28
Tangible Book Value14.3912.8212.2413.9313.34
Diluted EPS Before Extra0.580.3852.630.5064.00
Diluted EPS After Extra0.580.3852.630.5064.00
Dividends Declared0.15000.14007.140.140028.57
Performance Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
ROAA1.331.10231.2013
ROAE12.669.1135511.11155
Net Interest Margin3.814.02(21)3.810
Loans / Deposits115.95118.36(241)118.73(278)
Efficiency Ratio45.9551.89(594)48.17(222)
Balance Sheet Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.329.12(80)8.43(10)
Equity/ Assets10.2711.52(125)10.47(20)
Asset Quality Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.641.03(39)0.70(6)
Loan Loss Reserves/ Gross Loans0.800.64160.93(12)
Loan Loss Reserves/ NPAs104.6250.805,382109.53(491)
Net Charge-offs/ Avg Loans0.420.15270.0142
Regulatory Capital Ratios (%)
 2016 Q32015 Q3Y-Y
Ch (bp)
2016 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio9.0610.16(110)9.44(38)
   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.