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Financial information

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

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Balance Sheet ($000)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Loans Held for Investment, before Reserves19,080,18417,508,6638.9816,866,5363.81
Loans Held for Sale, before Reserves259,518387,318(33.00)363,2756.62
Loan Loss Reserve140,608133,9844.94130,3222.81
Net Loans Receivable19,199,09417,761,9978.0917,099,4893.87
Intangible Assets1,817,7811,824,537(0.37)1,833,301(0.48)
Total Assets25,741,43924,813,1193.7423,406,3816.01
Deposits19,948,30019,020,9854.8817,707,1897.42
Debt, Senior and Subordinated1,474,4201,568,485(6.00)1,550,0401.19
Common Equity4,014,7863,916,7952.503,849,3341.75
Total Shareholders' Equity4,014,7863,916,7952.503,849,3341.75
Shares Outstanding (actual)220,148,824220,177,030(0.01)220,171,0910.00
Income Statement ($000)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Net Interest Income859,888844,5881.81871,634(3.10)
Provision for Loan Losses47,25441,67413.3936,58913.90
Noninterest Income277,169299,082(7.33)272,8029.63
Noninterest Expense729,335717,1261.70718,060(0.13)
Net Income Before Taxes341,955365,699(6.49)347,1275.35
Provision for Taxes95,936132,759(27.74)124,5886.56
Net Income246,019232,9405.61222,5394.67
Per Share Items ($)
 2017Y2016Y2017/
2016
Ch (%)
2015Y2016/
2015
Ch (%)
Book Value per Share18.2417.792.5117.481.75
Tangible Book Value9.989.505.029.163.78
Diluted EPS Before Extra1.111.055.711.013.96
Diluted EPS After Extra1.111.055.711.013.96
Dividends Declared0.68000.64006.250.62003.23
Performance Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
ROAA0.980.9710.970
ROAE6.205.97235.8215
Net Interest Margin3.904.04(14)4.44(40)
Loans / Deposits95.6592.0536095.25(320)
Efficiency Ratio65.5164.1513661.04311
Balance Sheet Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tangible Equity/ Tangible Assets9.189.1089.35(24)
Equity/ Assets15.6015.79(19)16.45(66)
Asset Quality Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Nonperforming Assets/ Assets0.370.25120.28(3)
Loan Loss Reserves/ Gross Loans0.730.75(2)0.76(1)
Loan Loss Reserves/ NPAs147.46179.58(3,212)161.361,822
Net Charge-offs/ Avg Loans0.220.2200.148
Regulatory Capital Ratios (%)
 2017Y2016Y2017/
2016
Ch (bp)
2015Y2016/
2015
Ch (bp)
Tier 1 Capital Ratio11.0711.47(40)11.65(18)

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