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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 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves18,677,76217,392,0517.3918,321,1427.79
Loans Held for Sale, before Reserves417,470565,624(26.19)451,350(30.03)
Loan Loss Reserve139,503133,6924.35136,8677.70
Net Loans Receivable18,955,72917,823,9836.3518,635,6256.87
Intangible Assets1,819,4701,826,404(0.38)1,821,159(0.37)
Total Assets25,695,66324,744,2143.8525,257,7846.93
Deposits19,851,91018,918,7804.9319,459,9508.06
Debt, Senior and Subordinated1,541,4131,573,267(2.02)1,548,601(1.86)
Common Equity3,985,2603,920,2081.663,958,8452.67
Total Shareholders' Equity3,985,2603,920,2081.663,958,8452.67
Shares Outstanding (actual)220,225,406220,207,3000.01220,204,5150.04
Income Statement ($000)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Net Interest Income220,464209,8925.04212,07815.82
Provision for Loan Losses11,99713,091(8.36)10,65750.30
Noninterest Income75,40880,710(6.57)71,08424.33
Noninterest Expense180,090177,4481.49181,639(3.41)
Net Income Before Taxes95,51596,324(0.84)88,51931.61
Provision for Taxes34,18234,515(0.96)31,70731.22
Net Income61,33361,809(0.77)56,81231.83
Per Share Items ($)
 2017 Q32016 Q3Y-Y
Ch (%)
2017 Q2Q-Q
Ch (%)
Book Value per Share18.1017.801.6517.982.63
Tangible Book Value9.839.513.439.715.22
Diluted EPS Before Extra0.280.280.000.2630.77
Diluted EPS After Extra0.280.280.000.2630.77
Dividends Declared0.18000.160012.500.160050.00
Performance Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
ROAA0.961.01(5)0.924
ROAE6.106.28(18)5.7634
Net Interest Margin3.943.95(1)3.913
Loans / Deposits94.0991.9321694.15(6)
Efficiency Ratio63.4358.9644764.71(128)
Balance Sheet Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.079.14(7)9.12(5)
Equity/ Assets15.5115.84(33)15.67(16)
Asset Quality Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.300.2550.237
Loan Loss Reserves/ Gross Loans0.730.74(1)0.730
Loan Loss Reserves/ NPAs147.55185.94(3,839)162.49(1,494)
Net Charge-offs/ Avg Loans0.200.23(4)0.22(2)
Regulatory Capital Ratios (%)
 2017 Q32016 Q3Y-Y
Ch (bp)
2017 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio11.0911.25(16)11.16(7)
   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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