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

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Balance Sheet ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Loans Held for Investment, before Reserves6,520,5125,686,74914.666,506,9020.84
Loans Held for Sale, before Reserves1,3573,877(65.00)3,033(221.04)
Loan Loss Reserve74,75171,4264.6674,938(1.00)
Net Loans Receivable6,447,1185,619,20014.736,434,9970.75
Intangible Assets263,386273,768(3.79)265,449(3.11)
Total Assets16,911,85214,927,19613.3016,184,23317.98
Deposits13,640,76611,653,36517.0513,041,04418.39
Debt, Senior and Subordinated1,588,3801,793,149(11.42)1,533,30514.37
Common Equity1,506,0651,279,34517.721,463,65511.59
Total Shareholders' Equity1,506,0651,279,34517.721,463,65511.59
Shares Outstanding (actual)45,221,23740,340,87812.1044,554,8345.98
Income Statement ($000)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Net Interest Income85,91480,2297.0985,5451.73
Provision for Loan Losses4,0004,0000.006,500(153.85)
Noninterest Income135,705109,60023.82120,57550.19
Noninterest Expense170,514158,4957.58153,15345.34
Net Income Before Taxes47,09527,54470.9847,607(4.30)
Provision for Taxes12,4326,48491.7313,175(22.56)
Net Income34,66321,06064.5934,4322.68
Per Share Items ($)
 2013 Q42012 Q4Y-Y
Ch (%)
2013 Q3Q-Q
Ch (%)
Book Value per Share33.3031.715.0232.855.52
Tangible Book Value27.4824.9310.2426.898.73
Diluted EPS Before Extra0.770.5248.080.83(28.92)
Diluted EPS After Extra0.770.5248.080.83(28.92)
Dividends Declared0.22500.21504.650.215018.60
Performance Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
ROAA0.890.60290.92(3)
ROAE9.086.4726110.84(176)
Net Interest Margin2.512.64(13)2.61(10)
Loans / Deposits47.8048.80(100)49.90(209)
Balance Sheet Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets7.466.86607.53(6)
Equity/ Assets8.918.57339.04(14)
Asset Quality Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Nonperforming Assets/ Assets0.190.21(2)0.20(1)
Loan Loss Reserves/ Gross Loans1.151.26(11)1.150
Loan Loss Reserves/ NPAs228.88220.59829220.44845
Net Charge-offs/ Avg Loans0.260.29(3)0.206
Regulatory Capital Ratios (%)
 2013 Q42012 Q4Y-Y
Ch (bp)
2013 Q3Q-Q
Ch (bp)
Tier 1 Capital Ratio13.6111.0525612.9368
   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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