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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)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves19,080,18417,508,6638.9818,677,7628.62
Loans Held for Sale, before Reserves259,518387,318(33.00)417,470(151.34)
Loan Loss Reserve140,608133,9844.94139,5033.17
Net Loans Receivable19,199,09417,761,9978.0918,955,7295.14
Intangible Assets1,817,7811,824,537(0.37)1,819,470(0.37)
Total Assets25,742,41624,813,1193.7525,695,6630.73
Deposits19,948,30019,020,9854.8819,851,9101.94
Debt, Senior and Subordinated1,474,4201,568,485(6.00)1,541,413(17.38)
Common Equity4,015,7633,916,7952.533,985,2603.06
Total Shareholders' Equity4,015,7633,916,7952.533,985,2603.06
Shares Outstanding (actual)220,149,000220,177,030(0.01)220,225,406(0.14)
Income Statement ($000)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income220,621207,7966.17220,4640.28
Provision for Loan Losses12,92813,171(1.84)11,99731.04
Noninterest Income72,04598,620(26.95)75,408(17.84)
Noninterest Expense189,586179,0435.89180,09021.09
Net Income Before Taxes86,952109,777(20.79)95,515(35.86)
Provision for Taxes4,10540,502(89.86)34,182(351.96)
Net Income82,84769,27519.5961,333140.31
Per Share Items ($)
 2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share18.2417.792.5418.103.20
Tangible Book Value9.989.505.079.836.09
Diluted EPS Before Extra0.380.3122.580.28142.86
Diluted EPS After Extra0.380.3122.580.28142.86
Dividends Declared0.18000.160012.500.18000.00
Performance Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
ROAA1.281.11170.9632
ROAE8.227.041186.10212
Net Interest Margin3.883.8353.94(6)
Loans / Deposits95.6592.0536094.09156
Efficiency Ratio65.6359.6559863.43220
Balance Sheet Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.199.1099.0712
Equity/ Assets15.6015.79(19)15.519
Asset Quality Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.370.25120.307
Loan Loss Reserves/ Gross Loans0.730.75(2)0.730
Loan Loss Reserves/ NPAsNA179.58NA147.55NA
Net Charge-offs/ Avg Loans0.250.29(4)0.205
Regulatory Capital Ratios (%)
 2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio11.0011.47(47)11.09(9)
   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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