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Financial information

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

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Balance Sheet ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves15,327,7327,728,16698.3415,259,2011.80
Loans Held for Sale, before Reserves286,802104,664174.02265,80031.61
Loan Loss Reserve116,16795,08522.17115,6351.84
Net Loans Receivable15,498,3677,737,745100.3015,409,3662.31
Intangible Assets1,842,958776,683137.291,845,242(0.50)
Total Assets22,613,27411,636,11294.3422,488,0592.23
Deposits16,892,0999,117,66085.2716,727,6103.93
Debt, Senior and Subordinated1,670,586665,549151.011,745,692(17.21)
Common Equity3,780,9971,727,426118.883,752,5083.04
Total Shareholders' Equity3,780,9971,727,426118.883,752,5083.04
Shares Outstanding (actual)220,161,120111,973,20396.62217,261,7225.34
Income Statement ($000)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Net Interest Income228,015110,074107.15225,7164.07
Provision for Loan Losses5,2412,471112.1014,333(253.74)
Noninterest Income48,80626,59483.5261,022(80.08)
Noninterest Expense180,68593,72592.78173,92615.54
Net Income Before Taxes81,75039,024109.4990,749(39.67)
Provision for Taxes29,20413,754112.3331,760(32.19)
Net Income52,54625,270107.9458,989(43.69)
Per Share Items ($)
 2014 Q42013 Q4Y-Y
Ch (%)
2014 Q3Q-Q
Ch (%)
Book Value per Share17.1715.4311.3217.27(2.27)
Tangible Book Value8.808.493.678.781.10
Diluted EPS Before Extra0.240.229.090.27(44.44)
Diluted EPS After Extra0.240.229.090.27(44.44)
Dividends Declared0.15000.15000.000.15000.00
Performance Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
ROAA0.920.8661.05(13)
ROAE5.595.73(14)6.29(70)
Net Interest Margin4.694.29404.75(6)
Loans / Deposits90.7484.7659891.22(48)
Efficiency Ratio64.3367.66(333)59.83450
Balance Sheet Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.338.75589.249
Equity/ Assets16.7214.8518716.693
Asset Quality Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.420.49(7)0.366
Loan Loss Reserves/ Gross Loans0.741.21(47)0.740
Loan Loss Reserves/ NPAs81.3176.0352984.00(269)
Net Charge-offs/ Avg Loans0.100.17(8)0.12(2)
Regulatory Capital Ratios (%)
 2014 Q42013 Q4Y-Y
Ch (bp)
2014 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio14.4413.549014.1034
   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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