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

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Balance Sheet ($000)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,256,7574,948,56226.446,308,720(3.29)
Loans Held for Sale, before Reserves4612,416(80.92)1,268(254.57)
Loan Loss Reserve47,58347,2330.7447,983(3.33)
Net Loans Receivable6,209,6354,903,74526.636,262,005(3.35)
Intangible Assets825,088480,84471.59824,3550.36
Total Assets10,746,1988,666,43724.0010,850,218(3.83)
Debt, Senior and Subordinated485,896248,37095.63437,09744.66
Common Equity1,635,3151,198,10036.491,593,24510.56
Total Shareholders' Equity1,635,3151,198,10036.491,593,24510.56
Shares Outstanding (actual)50,696,07744,437,41514.0850,587,1280.86
Income Statement ($000)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Net Interest Income85,97770,24622.3984,3957.50
Provision for Loan Losses5,3812,640103.832,314530.16
Noninterest Income53,93838,62039.6652,9417.53
Noninterest Expense86,12565,23332.0383,19614.08
Net Income Before Taxes47,61539,62920.1551,246(28.34)
Provision for Taxes(24,411)13,237NM16,003NM
Net Income72,02626,392172.9135,243417.48
Per Share Items ($)
2017 Q42016 Q4Y-Y
Ch (%)
2017 Q3Q-Q
Ch (%)
Book Value per Share32.2626.9619.6431.509.68
Tangible Book Value15.9816.14(0.98)15.2020.60
Diluted EPS Before Extra1.400.59137.290.68423.53
Diluted EPS After Extra1.400.59137.290.68423.53
Dividends Declared0.34000.32006.250.34000.00
Performance Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Net Interest Margin3.743.76(2)3.6410
Loans / Deposits74.0969.9341673.3179
Efficiency Ratio57.8057.90(10)56.80100
Balance Sheet Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets8.178.76(60)7.6750
Equity/ Assets15.2213.8213914.6853
Asset Quality Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.270.30(3)0.234
Loan Loss Reserves/ Gross Loans0.760.95(19)0.760
Loan Loss Reserves/ NPAs158.28179.71(2,143)178.95(2,066)
Net Charge-offs/ Avg Loans0.370.18190.1126
Regulatory Capital Ratios (%)
2017 Q42016 Q4Y-Y
Ch (bp)
2017 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio16.6418.10(146)15.8381
   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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