Financial Highlights
Email pagePDF viewPrint viewEmail AlertTear sheetSocial media sharingRSS Feeds

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

For the definition of a financial field, click on the field name.


Balance Sheet ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves7,670,4506,675,83614.907,115,05831.22
Loans Held for Sale, before Reserves19,37420,752(6.64)19,3151.22
Loan Loss Reserve75,09162,19420.7470,65625.11
Net Loans Receivable7,614,7336,634,39414.787,063,71731.20
Intangible Assets179,083179,397(0.18)179,144(0.14)
Total Assets8,970,3758,057,00511.348,436,54225.31
Deposits6,562,5065,622,68216.716,379,64611.47
Debt, Senior and Subordinated1,359,3921,511,511(10.06)1,041,230122.23
Common Equity925,283843,3049.72899,91711.27
Total Shareholders' Equity925,283843,3049.72899,91711.27
Shares Outstanding (actual)48,009,37947,670,4400.7147,940,1330.58
Income Statement ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income75,72069,3549.1876,548(4.33)
Provision for Loan Losses6,2006,800(8.82)22,700(290.75)
Noninterest Income12,32512,476(1.21)10,84554.59
Noninterest Expense39,64439,6130.0839,3532.96
Net Income Before Taxes42,20136,66315.1126,625234.01
Provision for Taxes14,26613,4466.108,435276.51
Net Income27,93523,21720.3218,190214.29
Per Share Items ($)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share19.2717.698.9518.7710.68
Tangible Book Value15.5413.9311.6015.0313.51
Diluted EPS Before Extra0.590.5018.000.38221.05
Diluted EPS After Extra0.590.5018.000.38221.05
Dividends Declared0.15000.14007.140.15000.00
Performance Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA1.321.20120.8943
ROAE12.2211.111118.08414
Net Interest Margin3.783.83(5)4.01(23)
Loans / Deposits116.88118.73(185)111.53536
Efficiency Ratio44.9648.37(341)44.8313
Balance Sheet Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.498.4368.73(24)
Equity/ Assets10.3110.47(15)10.67(35)
Asset Quality Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets1.250.70551.43(18)
Loan Loss Reserves/ Gross Loans0.980.9350.99(1)
Loan Loss Reserves/ NPAs66.50109.53(4,303)58.15835
Net Charge-offs/ Avg Loans0.100.0190.97(87)
Regulatory Capital Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio9.069.44(38)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.