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Financial Highlights
Trend Analysis--Quarterly (
click here for Annual Analysis
)
For the definition of a financial field, click on the field name.
Balance Sheet ($000)
2013 Q1
2012 Q1
Y-Y
Ch (%)
2012 Q4
Q-Q
Ch (%)
†
Loans Held for Investment, before Reserves
6,466,762
6,200,120
4.30
6,511,416
(2.74)
Loans Held for Sale, before Reserves
7,041
7,401
(4.86)
17,762
(241.44)
Loan Loss Reserve
74,158
74,012
0.20
73,901
1.39
Net Loans Receivable
6,399,645
6,133,509
4.34
6,455,277
(3.45)
Intangible Assets
385,156
387,766
(0.67)
385,690
(0.55)
Total Assets
8,313,828
8,529,469
(2.53)
8,420,013
(5.04)
Deposits
6,682,712
6,881,610
(2.89)
6,752,986
(4.16)
Debt, Senior and Subordinated
553,734
608,631
(9.02)
599,888
(30.78)
Common Equity
1,000,249
976,303
2.45
992,251
3.22
Total Shareholders' Equity
1,000,249
976,303
2.45
992,251
3.22
Shares Outstanding (actual)
50,337,922
50,274,104
0.13
50,276,573
0.49
Income Statement ($000)
2013 Q1
2012 Q1
Y-Y
Ch (%)
2012 Q4
Q-Q
Ch (%)
†
Net Interest Income
66,822
68,966
(3.11)
69,672
(16.36)
Provision for Loan Losses
5,187
4,133
25.50
5,947
(51.12)
Noninterest Income
17,942
17,785
0.88
18,485
(11.75)
Noninterest Expense
47,468
50,066
(5.19)
49,273
(14.65)
Net Income Before Taxes
31,734
30,897
2.71
31,197
6.89
Provision for Taxes
10,155
9,887
2.71
9,983
6.89
Net Income
21,579
21,010
2.71
21,214
6.88
Per Share Items ($)
2013 Q1
2012 Q1
Y-Y
Ch (%)
2012 Q4
Q-Q
Ch (%)
†
Book Value per Share
19.87
19.42
2.32
19.74
2.73
Tangible Book Value
12.22
11.71
4.38
12.06
5.13
Diluted EPS Before Extra
0.43
0.42
2.38
0.42
9.52
Diluted EPS After Extra
0.43
0.42
2.38
0.42
9.52
Dividends Declared
0.3100
0.3100
0.00
0.3100
0.00
Performance Ratios (%)
2013 Q1
2012 Q1
Y-Y
Ch (bp)
2012 Q4
Q-Q
Ch (bp)
ROAA
1.05
1.00
5
1.01
4
ROAE
8.72
8.54
18
8.44
28
Net Interest Margin
3.75
3.78
(3)
3.83
(8)
Loans / Deposits
96.77
90.10
667
96.42
35
Efficiency Ratio
53.15
53.35
(20)
52.01
114
Balance Sheet Ratios (%)
2013 Q1
2012 Q1
Y-Y
Ch (bp)
2012 Q4
Q-Q
Ch (bp)
Tangible Equity/ Tangible Assets
7.76
7.23
53
7.55
21
Equity/ Assets
12.03
11.45
58
11.78
25
Asset Quality Ratios (%)
2013 Q1
2012 Q1
Y-Y
Ch (bp)
2012 Q4
Q-Q
Ch (bp)
Nonperforming Assets/ Assets
1.64
1.48
16
1.69
(5)
Loan Loss Reserves/ Gross Loans
1.15
1.19
(5)
1.13
1
Loan Loss Reserves/ NPAs
57.95
63.67
(572)
59.49
(154)
Net Charge-offs/ Avg Loans
0.30
0.26
5
0.36
(5)
Regulatory Capital Ratios (%)
2013 Q1
2012 Q1
Y-Y
Ch (bp)
2012 Q4
Q-Q
Ch (bp)
Tier 1 Capital Ratio
12.58
12.81
(23)
12.44
14
†
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.
Copyright 2013,
© SNL Financial LC
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