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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 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Loans Held for Investment, before Reserves18,321,14217,355,2405.5717,829,63811.03
Loans Held for Sale, before Reserves451,350552,681(18.33)372,07385.23
Loan Loss Reserve136,867131,0424.45136,2921.69
Net Loans Receivable18,635,62517,776,8794.8318,065,41912.63
Intangible Assets1,821,1591,828,271(0.39)1,822,848(0.37)
Total Assets25,257,78424,132,5074.6624,861,4586.38
Deposits19,459,95018,258,4746.5819,167,2936.11
Debt, Senior and Subordinated1,548,6011,622,986(4.58)1,521,0447.25
Common Equity3,958,8453,902,1581.453,931,1502.82
Total Shareholders' Equity3,958,8453,902,1581.453,931,1502.82
Shares Outstanding (actual)220,205,000220,482,147(0.13)220,349,111(0.26)
Income Statement ($000)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Net Interest Income212,078209,1981.38206,72510.36
Provision for Loan Losses10,65710,5890.6411,672(34.78)
Noninterest Income71,08474,497(4.58)60,22772.11
Noninterest Expense181,639180,4430.66181,2260.91
Net Income Before Taxes88,51984,7574.4472,56487.95
Provision for Taxes31,70730,4704.0626,56177.50
Net Income56,81254,2874.6546,00393.99
Per Share Items ($)
 2017 Q22016 Q2Y-Y
Ch (%)
2017 Q1Q-Q
Ch (%)
Book Value per Share17.9817.701.5817.843.08
Tangible Book Value9.719.413.219.575.84
Diluted EPS Before Extra0.260.254.000.2195.24
Diluted EPS After Extra0.260.254.000.2195.24
Dividends Declared0.16000.16000.000.16000.00
Performance Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
ROAA0.920.9110.7517
ROAE5.765.61154.74102
Net Interest Margin3.914.07(16)3.856
Loans / Deposits94.1595.05(91)93.02113
Efficiency Ratio64.7166.15(144)68.15(344)
Balance Sheet Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.129.30(18)9.15(3)
Equity/ Assets15.6716.17(50)15.81(14)
Asset Quality Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.230.27(4)0.24(1)
Loan Loss Reserves/ Gross Loans0.730.7300.75(2)
Loan Loss Reserves/ NPAsNA162.96NA174.51NA
Net Charge-offs/ Avg Loans0.220.2200.211
Regulatory Capital Ratios (%)
 2017 Q22016 Q2Y-Y
Ch (bp)
2017 Q1Q-Q
Ch (bp)
Tier 1 Capital Ratio11.1011.01911.27(17)
   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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