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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 Reserves19,639,49418,321,1427.2019,255,3487.98
Loans Held for Sale, before Reserves432,642451,350(4.14)299,739177.36
Loan Loss Reserve144,556136,8675.62141,9337.39
Net Loans Receivable19,927,58018,635,6256.9319,413,15410.60
Intangible Assets1,814,6981,821,159(0.35)1,816,240(0.34)
Total Assets26,480,60125,257,7844.8425,816,40210.29
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 Equity3,981,0873,958,8450.563,969,7671.14
Total Shareholders' Equity3,981,0873,958,8450.563,969,7671.14
Shares Outstanding (actual)220,204,691220,204,5150.00220,460,836(0.46)
Income Statement ($000)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Net Interest Income224,900212,0786.05224,981(0.14)
Provision for Loan Losses13,31910,65724.9813,656(9.87)
Noninterest Income73,06971,0842.7978,567(27.99)
Noninterest Expense184,772181,6391.72180,11310.35
Net Income Before Taxes87,66088,519(0.97)103,779(62.13)
Provision for Taxes21,66131,707(31.68)24,807(50.73)
Net Income65,99956,81216.1778,972(65.71)
Per Share Items ($)
 2018 Q22017 Q2Y-Y
Ch (%)
2018 Q1Q-Q
Ch (%)
Book Value per Share18.0817.980.5618.011.61
Tangible Book Value9.849.711.349.772.86
Diluted EPS Before Extra0.300.2615.380.35(57.14)
Diluted EPS After Extra0.300.2615.380.35(57.14)
Dividends Declared0.20000.160025.000.20000.00
Performance Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
ROAA1.010.92101.23(21)
ROAE6.625.74887.96(134)
Net Interest Margin3.893.90(1)3.90(1)
Loans / Deposits94.6794.155395.77(109)
Efficiency Ratio61.4263.45(203)58.74268
Balance Sheet Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.789.12(34)8.97(19)
Equity/ Assets15.0315.67(64)15.38(34)
Asset Quality Ratios (%)
 2018 Q22017 Q2Y-Y
Ch (bp)
2018 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.310.33(2)NANA
Loan Loss Reserves/ Gross Loans0.720.73(1)0.73(1)
Loan Loss Reserves/ NPAs174.88162.491,239NANA
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 Ratio10.6711.16(49)10.98(31)
   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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