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

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Balance Sheet ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Loans Held for Investment, before Reserves19,854,03318,614,4386.6619,639,4944.37
Loans Held for Sale, before Reserves289,537417,470(30.64)432,642(132.31)
Loan Loss Reserve144,026139,5033.24144,556(1.47)
Net Loans Receivable19,999,54418,892,4055.8619,927,5801.44
Intangible Assets1,813,1571,819,470(0.35)1,814,698(0.34)
Total Assets26,615,06725,632,3393.8326,480,6012.03
Deposits20,892,77419,851,9105.2420,744,5262.86
Debt, Senior and Subordinated1,410,3661,541,413(8.50)1,444,912(9.56)
Common Equity4,003,8933,946,4611.463,981,0872.29
Total Shareholders' Equity4,003,8933,946,4611.463,981,0872.29
Shares Outstanding (actual)220,238,000220,225,4060.01220,204,6910.06
Income Statement ($000)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Net Interest Income241,368223,2118.13224,90029.29
Provision for Loan Losses11,71111,997(2.38)13,319(48.29)
Noninterest Income72,85076,699(5.02)73,069(1.20)
Noninterest Expense174,792180,090(2.94)184,772(21.61)
Net Income Before Taxes122,75399,55323.3087,660160.13
Provision for Taxes31,77235,746(11.12)21,661186.71
Net Income90,98163,80742.5965,999151.41
Per Share Items ($)
 2018 Q32017 Q3Y-Y
Ch (%)
2018 Q2Q-Q
Ch (%)
Book Value per Share18.1817.921.4518.082.23
Tangible Book Value9.959.662.999.844.43
Diluted EPS Before Extra0.410.2941.380.30146.67
Diluted EPS After Extra0.410.2941.380.30146.67
Dividends Declared0.21000.180016.670.200020.00
Performance Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
ROAA1.361.00361.0234
ROAE9.006.412596.64236
Net Interest Margin4.094.0093.8920
Loans / Deposits95.0393.7712694.6736
Efficiency Ratio57.0662.58(552)65.84(878)
Balance Sheet Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.838.93(10)8.785
Equity/ Assets15.0415.40(35)15.031
Asset Quality Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.370.3070.343
Loan Loss Reserves/ Gross Loans0.710.73(2)0.72(1)
Loan Loss Reserves/ NPAs179.22147.673,154174.88434
Net Charge-offs/ Avg Loans0.240.2050.223
Regulatory Capital Ratios (%)
 2018 Q32017 Q3Y-Y
Ch (bp)
2018 Q2Q-Q
Ch (bp)
Tier 1 Capital Ratio10.8011.09(29)10.6713
   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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