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

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


Income Statement ($000)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Total Interest Income134,318127,5655.29120,66745.25
Total Interest Expense20,68026,611(22.29)22,425(31.13)
Net Interest Income113,638100,95412.5698,24262.69
Loan Loss Provisions214(1,703)NM319(131.66)
Gain on Investments(3,895)41,143NM21,853NM
Total Revenue115,300149,884(23.07)112,14911.24
Non Interest Expense10,3178,38023.119,27644.89
Total Expenses10,5316,67757.7211,779(42.38)
Net Income104,769143,207(26.84)100,36817.54
EBITDA125,449169,818(26.13)122,7958.65
Per Share Items ($)
2014 Q22013 Q2Y-Y
Ch (%)
2014 Q1Q-Q
Ch (%)
Book Value per Share3.353.53(5.15)3.288.40
Diluted EPS Before Extra0.100.14(28.57)0.100.00
Diluted EPS After Extra0.100.14(28.57)0.100.00
Dividends Declared0.18000.0900100.000.0900400.00
Dividend Payout (%)90.0064.292,571.0090.000.00
Performance Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
ROAA4.357.84(349)5.89(154)
ROAE12.3815.73(335)11.9840
Net Interest Margin6.636.96(33)7.03(40)
EBITDA/ Interest Expense (x)6.076.38(32) (100bp)5.4859 (100bp)
Asset Growth349.42(13.37)36,279(13.21)36,263
Net Income Growth(26.84)251.16(27,800)25.77(5,261)
Balance Sheet Ratios (%)
2014 Q22013 Q2Y-Y
Ch (bp)
2014 Q1Q-Q
Ch (bp)
Total Equity / Total Assets27.3850.50(2,312)50.25(2,287)
Total Debt / Total Equity (x)2.020.94108 (100bp)0.90112 (100bp)
Debt / Total Cap, at Book66.9148.471,84447.321,958
Investments / Assets98.3997.0113997.38101
   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.



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