$388.81M
Net Interest Income
$-52.02M
Net Income
41.1%
Efficiency Ratio
4.37%
Net Int. Margin
-2.5%
ROE
| Breakdown | TTM (Dec 31, 2013) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
FY 2010 (Dec 31, 2010) |
|---|---|---|---|---|---|
| Interest Income | $453.99M | $447.48M | $468.21M | $510.39M | $639.64M |
| Interest Expense | $74.49M | $74.09M | $79.41M | $150.01M | $232.10M |
| Net Interest Income | $379.51M | $373.39M | $388.81M | $360.38M | $407.55M |
| Provision for Credit Losses | - | - | - | $92.98M | $307.08M |
| Net Interest Income After Provision | $354.93M | $352.86M | $349.37M | $267.39M | $100.47M |
| Non-Interest Income | $91.55M | $82.55M | $49.85M | $92.69M | $71.66M |
| Service Charges & Fees | $25.94M | $23.55M | $18.56M | $16.23M | $22.14M |
| Other Non-Interest Income | $11.52M | $8.39M | $10.61M | $20.94M | $4.10M |
| Total Revenue | - | - | - | $510.39M | $639.64M |
| Revenue Growth % | nan% | nan% | nan% | -20.2% | nan% |
| Non-Interest Expense | $187.81M | $189.08M | $193.68M | $375.17M | $333.45M |
| Compensation & Benefits | $108.03M | $107.68M | $105.43M | $125.67M | $122.08M |
| Occupancy Expense | $14.78M | $14.58M | $16.84M | $15.48M | $18.10M |
| Professional Fees | $6.72M | $4.82M | $12.81M | $31.18M | $36.47M |
| Other Non-Interest Expense | $3.04M | $4.10M | $-1.45M | $28.80M | $29.25M |
| Income Tax Expense | $75.93M | $82.04M | $-285.08M | $36.94M | $-20.80M |
| Net Income | $182.75M | $164.29M | $490.61M | $-52.02M | $-109.25M |
| Net Margin % | nan% | nan% | nan% | -10.2% | -17.1% |
| Basic EPS | 0.95 | 0.84 | 2.19 | -0.17 | -0.34 |
| Diluted EPS | 0.92 | 0.82 | 2.13 | -0.17 | -0.34 |
| Breakdown | FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
FY 2010 (Dec 31, 2010) |
|---|---|---|---|---|
| Cash & Due from Banks | $176.89M | $178.88M | $231.70M | $820.45M |
| Interest-Bearing Deposits | $15.39M | $110.21M | $186.87M | - |
| Investment Securities - HTM | $74.37M | $108.23M | $111.71M | $184.47M |
| Total Investment Securities | $944.85M | $1.19B | $1.30B | $1.71B |
| Loans & Leases (Gross) | $6.83B | $6.19B | $5.76B | - |
| Loans & Leases (Net) | $6.66B | $6.02B | $5.73B | $5.92B |
| Goodwill & Intangibles | $173.13M | $173.13M | $173.13M | $173.13M |
| Other Assets | $278.62M | $289.05M | $453.62M | $563.92M |
| Total Assets | $8.91B | $8.55B | $8.30B | $9.45B |
| Total Deposits | - | - | $5.12B | $4.62B |
| Long-term Debt | - | - | $309.39M | $979.25M |
| Other Liabilities | $104.02M | $161.64M | $275.43M | $347.55M |
| Total Liabilities | $7.27B | $6.92B | $6.72B | $7.39B |
| Common Stock | $1.97M | $2.10M | $2.56M | $3.23M |
| Retained Earnings | $-1.40B | $-1.56B | $-1.93B | $-1.87B |
| AOCI | $-870.00K | $24.65M | $19.41M | $9.94M |
| Total Stockholders Equity | $1.64B | $1.63B | $1.58B | $2.05B |
| Total Liabilities & Equity | $8.91B | $8.55B | $8.30B | $9.45B |
| Breakdown | TTM (Dec 31, 2013) |
FY 2013 (Dec 31, 2013) |
FY 2012 (Dec 31, 2012) |
FY 2011 (Dec 31, 2011) |
FY 2010 (Dec 31, 2010) |
|---|---|---|---|---|---|
| Net Income | $240.72M | $164.29M | $490.61M | $-52.02M | $-109.25M |
| Depreciation & Amortization | $33.07M | $22.45M | $20.32M | $6.94M | $-2.17M |
| Deferred Taxes | - | - | - | - | $4.34M |
| Net Change in Loans HFS | $4.21M | - | $-21.49M | $-188.85M | $-9.38M |
| Operating Cash Flow | $407.57M | $263.10M | $270.99M | $394.59M | $300.58M |
| Purchases of Securities | $70.72M | $47.85M | - | $10.63M | $9.73M |
| Maturities of Securities | $71.18M | $35.74M | $5.15M | $92.58M | - |
| Net Change in Loans | $852.02M | $615.77M | $355.44M | $67.68M | $-1.35B |
| Capital Expenditures | $82.99M | $34.99M | $45.24M | $89.50M | $6.60M |
| Acquisitions | - | - | - | - | $98.80M |
| Investing Cash Flow | $-551.82M | $-367.70M | $-321.74M | $382.03M | $1.78B |
| Net Change in Deposits | $745.89M | $548.42M | $454.27M | $503.72M | $137.70M |
| Long-term Debt Issued | - | - | - | - | $14.78M |
| Common Stock Repurchased | $343.57M | $137.99M | $339.73M | $427.23M | $7.63M |
| Dividends Paid | $116.24M | $7.78M | $113.30M | $12.02M | $12.95M |
| Financing Cash Flow | $20.30M | $261.31M | $-108.72M | $-1.14B | $-2.44B |
SEC Filing Format - Data shown as it appears in the Q3 2013 (10-Q) filing
Period ended: Sep 30, 2013
Condensed Consolidated Statements of Operations
| Description | Sep 30, 2013 | Sep 30, 2013 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Operating Expenses | $40.29M | $41.91M | $126.99M | $139.76M |
| Interest Expense | $18.64M | $19.51M | $55.28M | $60.53M |
| Income Before Tax | $63.24M | $49.05M | $160.18M | $147.23M |
| Income Tax Expense | $14.84M | $18.00M | $53.81M | $-296.31M |
| Net Income | $48.40M | $31.05M | $106.37M | $443.53M |
| Basic EPS | 0.25 | 0.14 | 0.54 | 1.94 |
| Diluted EPS | 0.24 | 0.14 | 0.53 | 1.88 |
| Basic Shares Outstanding | $193.10M | $219.66M | $195.61M | $229.09M |
| Diluted Shares Outstanding | $198.46M | $226.44M | $200.70M | $235.71M |
Condensed Consolidated Balance Sheets
| Description | Sep 30, 2013 | Dec 31, 2012 |
|---|---|---|
| Cash & Cash Equivalents | $431.46M | $299.09M |
| Goodwill | $173.13M | $173.13M |
| Total Assets | $8.75B | $8.55B |
| Total Liabilities | $7.16B | $6.92B |
| Common Stock | $1.97M | $2.10M |
| Retained Earnings | $-1.46B | $-1.56B |
| Total Stockholders Equity | $1.59B | $1.63B |
| Total Liabilities & Equity | $8.75B | $8.55B |
Condensed Consolidated Statements of Cash Flows
| Description | Sep 30, 2013 | Sep 30, 2013 | ||
|---|---|---|---|---|
| Current | Prior Year | Current YTD | Prior Year YTD | |
| Net Income | $48.40M | $31.05M | $106.37M | $443.53M |
| Depreciation & Amortization | $1.59M | $1.33M | $15.28M | $14.03M |
| Operating Cash Flow | - | - | $192.08M | $184.93M |
| Capital Expenditure | - | - | $18.23M | $5.46M |
| Investing Cash Flow | - | - | $-211.37M | $-77.52M |
| Stock Repurchased | - | - | $137.99M | $272.13M |
| Dividends Paid | - | - | $5.84M | $6.83M |
| Financing Cash Flow | - | - | $151.66M | $49.54M |
| Net Change in Cash | - | - | $132.37M | $156.95M |
All values are in USD (United States Dollars). Data is sourced from SEC EDGAR 10-K filings.
Annual data represents full fiscal year results. FY = Fiscal Year ending.