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Financial information

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

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Balance Sheet ($000)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves16,848,19515,327,7329.9216,387,93411.23
Loans Held for Sale, before Reserves363,275286,80226.66398,015(34.91)
Loan Loss Reserve130,322116,16712.19130,1330.58
Net Loans Receivable17,081,14815,498,36710.2116,655,81610.21
Intangible Assets1,833,3011,842,958(0.52)1,836,954(0.80)
Total Assets23,387,71722,609,9033.4423,162,3043.89
Deposits17,707,18916,892,0994.8317,467,0245.50
Debt, Senior and Subordinated1,550,0401,670,586(7.22)1,568,079(4.60)
Common Equity3,849,8463,777,6261.913,835,5521.49
Total Shareholders' Equity3,849,8463,777,6261.913,835,5521.49
Shares Outstanding (actual)220,171,000220,161,1200.00220,216,672(0.08)
Income Statement ($000)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Net Interest Income219,834228,015(3.59)219,2151.13
Provision for Loan Losses4,5455,241(13.28)8,153(177.01)
Noninterest Income66,77849,27935.5161,15236.80
Noninterest Expense181,365180,6850.38177,2039.39
Net Income Before Taxes99,55782,22321.0889,24046.24
Provision for Taxes36,02729,64121.5431,63355.56
Net Income63,53052,58220.8257,60741.13
Per Share Items ($)
 2015 Q42014 Q4Y-Y
Ch (%)
2015 Q3Q-Q
Ch (%)
Book Value per Share17.4917.161.9117.421.57
Tangible Book Value9.168.794.239.083.68
Diluted EPS Before Extra0.290.2420.830.2646.15
Diluted EPS After Extra0.290.2420.830.2646.15
Dividends Declared0.16000.15006.670.16000.00
Performance Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
ROAA1.080.92160.999
ROAE6.545.59955.9856
Net Interest Margin4.374.69(32)4.42(5)
Loans / Deposits95.1590.7444193.82133
Efficiency Ratio62.1164.23(212)62.43(32)
Balance Sheet Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets9.369.3249.37(2)
Equity/ Assets16.4616.71(25)16.56(10)
Asset Quality Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.290.43(14)0.281
Loan Loss Reserves/ Gross Loans0.760.7410.78(2)
Loan Loss Reserves/ NPAsNA81.31NA147.76NA
Net Charge-offs/ Avg Loans0.100.12(2)0.12(2)
Regulatory Capital Ratios (%)
 2015 Q42014 Q4Y-Y
Ch (bp)
2015 Q3Q-Q
Ch (bp)
Tier 1 Capital RatioNA14.44NANANA
   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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