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Financial Highlights
Trend Analysis--Annual (
click here for Quarterly Analysis
)
For the definition of a financial field, click on the field name.
Balance Sheet ($000)
2012Y
2011Y
2012/
2011
Ch (%)
2010Y
2011/
2010
Ch (%)
Loans Held for Investment, before Reserves
6,511,416
6,230,777
4.50
5,260,326
18.45
Loans Held for Sale, before Reserves
17,762
3,902
355.20
6,869
(43.19)
Loan Loss Reserve
73,901
73,874
0.04
73,033
1.15
Net Loans Receivable
6,455,277
6,160,805
4.78
5,194,162
18.61
Intangible Assets
385,690
388,576
(0.74)
314,705
23.47
Total Assets
8,420,013
8,451,470
(0.37)
7,155,719
18.11
Deposits
6,752,986
6,819,010
(0.97)
5,713,534
19.35
Debt, Senior and Subordinated
599,888
600,132
(0.04)
579,672
3.53
Common Equity
992,251
968,844
2.42
793,012
22.17
Total Shareholders' Equity
992,251
968,844
2.42
793,012
22.17
Shares Outstanding (actual)
50,276,573
50,212,948
0.13
43,621,635
15.11
Income Statement ($000)
2012Y
2011Y
2012/
2011
Ch (%)
2010Y
2011/
2010
Ch (%)
Net Interest Income
277,707
260,728
6.51
238,186
9.46
Provision for Loan Losses
17,862
17,141
4.21
13,773
24.45
Noninterest Income
73,222
69,675
5.09
70,012
(0.48)
Noninterest Expense
201,160
182,636
10.14
181,347
0.71
Net Income Before Taxes
121,481
110,376
10.06
104,404
5.72
Provision for Taxes
38,874
34,766
11.82
32,457
7.11
Net Income
82,607
75,610
9.25
71,947
5.09
Per Share Items ($)
2012Y
2011Y
2012/
2011
Ch (%)
2010Y
2011/
2010
Ch (%)
Book Value per Share
19.74
19.29
2.29
18.18
6.14
Tangible Book Value
12.06
11.56
4.40
10.96
5.39
Diluted EPS Before Extra
1.64
1.61
1.86
1.65
(2.42)
Diluted EPS After Extra
1.64
1.61
1.86
1.65
(2.42)
Dividends Declared
1.2400
1.2100
2.48
1.2000
0.83
Performance Ratios (%)
2012Y
2011Y
2012/
2011
Ch (bp)
2010Y
2011/
2010
Ch (bp)
ROAA
0.98
0.97
1
0.95
2
ROAE
8.35
8.50
(15)
9.19
(69)
Net Interest Margin
3.81
3.87
(6)
3.64
23
Loans / Deposits
96.42
91.37
505
92.07
(69)
Efficiency Ratio
54.08
51.81
227
53.87
(206)
Balance Sheet Ratios (%)
2012Y
2011Y
2012/
2011
Ch (bp)
2010Y
2011/
2010
Ch (bp)
Tangible Equity/ Tangible Assets
7.55
7.20
35
6.99
21
Equity/ Assets
11.78
11.46
32
11.08
38
Asset Quality Ratios (%)
2012Y
2011Y
2012/
2011
Ch (bp)
2010Y
2011/
2010
Ch (bp)
Nonperforming Assets/ Assets
1.69
1.56
13
1.57
(1)
Loan Loss Reserves/ Gross Loans
1.13
1.18
(5)
1.39
(20)
Loan Loss Reserves/ NPAs
59.49
64.10
(461)
69.71
(561)
Net Charge-offs/ Avg Loans
0.28
0.28
0
0.16
13
Regulatory Capital Ratios (%)
2012Y
2011Y
2012/
2011
Ch (bp)
2010Y
2011/
2010
Ch (bp)
Tier 1 Capital Ratio
12.44
12.57
(13)
12.25
32
Copyright 2013,
© SNL Financial LC
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