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Financial information

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

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


Balance Sheet ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves19,693,95518,321,1427.4919,314,5897.86
Loans Held for Sale, before Reserves432,642451,350(4.14)299,739177.36
Loan Loss Reserve144,556136,8675.62141,9337.39
Net Loans Receivable19,982,04118,635,6257.2219,472,39510.47
Intangible Assets1,814,6981,821,159(0.35)1,816,240(0.34)
Total Assets26,533,23025,257,7845.0525,875,64310.17
Deposits20,744,52619,459,9506.6020,106,85612.69
Debt, Senior and Subordinated1,444,9121,548,601(6.70)1,461,157(4.45)
Common Equity4,021,6433,958,8451.594,013,8820.77
Total Shareholders' Equity4,021,6433,958,8451.594,013,8820.77
Shares Outstanding (actual)220,205,000220,204,5150.00220,460,836(0.46)
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income227,299212,0787.18223,2317.29
Provision for Loan Losses13,31910,65724.9813,656(9.87)
Noninterest Income73,06971,0842.7978,567(27.99)
Noninterest Expense184,772181,6391.72180,11310.35
Net Income Before Taxes90,05988,5191.74102,029(46.93)
Provision for Taxes22,27331,707(29.75)24,360(34.27)
Net Income67,78656,81219.3277,669(50.90)
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share18.2617.981.5918.211.24
Tangible Book Value10.029.713.249.972.16
Diluted EPS Before Extra0.310.2619.230.35(45.71)
Diluted EPS After Extra0.310.2619.230.35(45.71)
Dividends Declared0.20000.160025.000.20000.00
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.040.92121.23(19)
ROAE6.745.76987.84(110)
Net Interest Margin3.933.9123.96(3)
Loans / Deposits94.9494.157996.06(112)
Efficiency Ratio65.3164.716061.56375
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.939.12(19)9.13(21)
Equity/ Assets15.1615.67(52)15.51(36)
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.340.23110.331
Loan Loss Reserves/ Gross Loans0.720.73(1)0.72(1)
Loan Loss Reserves/ NPAs174.73162.491,224156.851,788
Net Charge-offs/ Avg Loans0.220.2200.25(4)
Regulatory Capital Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio10.8011.16(36)10.98(18)
   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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