| | 2006 Y
| 2007 Y
| 2008 Y
| 2009 Y
| | Period Ended | 12/31/2006 | 12/31/2007 | 12/31/2008 | 12/31/2009 | | Assets ($000) | | Cash and Due from Banks | 187,555 | 181,743 | 205,070 | 213,029 | | Fed Funds Sold | 55,427 | 60,635 | 107,502 | 11,474 | | Deposits at Financial Institutions | 12,809 | 6,868 | 1,458 | 398,979 | | Securities Purchased, to Resell | NA | NA | NA | NA | | Other Cash & Cash Equivalents | NA | NA | NA | NA | | Cash and Cash Equivalents | 255,791 | 249,246 | 314,030 | 623,482 | | Trading Account Secs | NA | NA | NA | NA | | Available for Sale Secs | 1,012,658 | 1,014,280 | 961,914 | 1,316,429 | | Held to Maturity Secs | 111,940 | 114,377 | 110,362 | 129,851 | | Other Secs | 12,746 | 12,746 | 21,411 | 20,224 | | Total Cash & Securities | 1,393,135 | 1,390,649 | 1,407,717 | 2,089,986 | | Gross Loans Held for Investment | 3,285,003 | 3,532,900 | 4,725,737 | 4,491,574 | | Loan Loss Reserve | 47,452 | 52,355 | 87,316 | 103,030 | | Loans Held for Sale, before Reserves | 25,360 | 26,080 | 47,076 | 36,430 | | Total Net Loans | 3,262,911 | 3,506,625 | 4,685,497 | 4,424,974 | | Real Estate Owned and Held for Investment | 529 | 928 | 6,025 | 38,400 | | Goodwill | 37,380 | 37,380 | 183,673 | 183,673 | | Core Deposit Intangibles | 432 | 257 | 12,682 | 10,551 | | Other Intangibles | 0 | 0 | 0 | 0 | | Intangible Assets other than Goodwill | 432 | 257 | 12,682 | 10,551 | | Total Intangible Assets | 37,812 | 37,637 | 196,355 | 194,224 | | Loan Servicing Rights | 22,644 | 21,715 | 11,002 | 17,325 | | Credit Card Rights | 0 | 0 | 0 | 0 | | Other Loan Servicing Rights | 0 | 0 | 0 | 0 | | Total Servicing Rights | 22,644 | 21,715 | 11,002 | 17,325 | | Memo: Consolidated VIE Assets | NA | NA | NA | NA | | Prepaid Expense | NA | NA | NA | 32,000 | | Total Other Assets | 257,103 | 259,243 | 321,751 | 372,744 | | Total Assets | 4,974,134 | 5,216,797 | 6,628,347 | 7,137,653 | | | | Liabilities ($000) | | Total Deposits | 3,708,511 | 3,999,401 | 5,174,259 | 5,824,056 | | FHLB Borrowings | 19,666 | 3,237 | 82,270 | 71,506 | | Senior Debt | 758,843 | 618,637 | 719,490 | 552,917 | | Trust Preferred (FAS 150) | 41,238 | 103,095 | 123,715 | 123,715 | | Total Subordinated Debt | 41,238 | 103,095 | 123,715 | 123,715 | | Redeemable Financial Instruments (FAS 150) | 0 | 0 | 0 | 0 | | Total Debt | 800,081 | 721,732 | 843,205 | 676,632 | | Memo: Consolidated VIE Liabilities | NA | NA | NA | NA | | Total Other Liabilities | 55,167 | 51,221 | 71,821 | 62,531 | | Total Liabilities | 4,563,759 | 4,772,354 | 6,089,285 | 6,563,219 | | | | Mezzanine ($000) | | Redeemable Preferred | 0 | 0 | 0 | 0 | | Trust Preferred Securities | 0 | 0 | 0 | 0 | | Total Minority Interest | 0 | 0 | 0 | 0 | | Other Mezzanine Items | 0 | 0 | 0 | 0 | | Total Mezzanine Level Items | 0 | 0 | 0 | 0 | | | | Equity ($000) | | TARP Preferred Equity | 0 | 0 | 0 | 0 | | Other Preferred Equity | 0 | 0 | 50,000 | 50,000 | | Total Preferred Equity | 0 | 0 | 50,000 | 50,000 | | Common Equity | 410,375 | 444,443 | 489,062 | 524,434 | | Equity Attributable to Parent Company | 410,375 | 444,443 | 539,062 | 574,434 | | Noncontrolling Interests | 0 | 0 | 0 | 0 | | Total Equity | 410,375 | 444,443 | 539,062 | 574,434 | | Net Unrealized Gain |
(7,141)
|
(1,481)
| 9,254 | 16,072 | | Tot Acc Other Comprehensive Inc |
(7,141)
|
(1,755)
| 8,972 | 15,075 | | | | Balance Sheet Analysis (%) | | Gross Loans HFI /
Total Assets | 66.04 | 67.72 | 71.30 | 62.93 | | Loans /
Deposits | 88.58 | 88.34 | 91.33 | 77.12 | | Loan Loss Reserves /
Gross Loans | 1.43 | 1.47 | 1.83 | 2.28 | | One Year Gap /
Assets |
(3.23)
|
(2.23)
|
(5.34)
|
(7.38)
| | 1-4 Loans Serviced for Others ($000) | 2,045,437 | 1,938,180 | 2,077,131 | 2,394,331 | | Level 1 Assets | NA | NA | 0 | 0 | | Level 2 Assets | NA | NA | 973,746 | 1,334,175 | | Level 3 Assets | NA | NA | 10,149 | 57,272 | | Level 1 Liabilities | NA | NA | NA | NA | | Level 2 Liabilities | NA | NA | NA | NA | | Level 3 Liabilities | NA | NA | NA | NA | | FTE Employees (actual) | 1,608 | 1,631 | 1,771 | 1,730 | | | | Mark-to-Market Info ($000) | | Financial Asset Equity Adj | -26,283 | -9,989 | 7,194 |
(820)
| | Financial Liability Equity Adj | 2,714 | -1,523 | -2,465 | -9,790 | | Off-balance Sheet Fair Value Adjustment | NA | NA | NA | NA | | Market-to-Market Equity | 386,806 | 432,931 | 543,791 | 563,824 | | Market-to-Market Book Value | 11.87 | 13.52 | 15.65 | 16.39 | | Mark-to-Market Net Income | 52,554 | 80,698 | 86,889 | 38,524 | | Mark-to-Market EPS | 1.58 | 2.42 | 2.61 | 1.11 | | | | Annualized Growth Rates (%) | | Asset Growth | 9.03 | 4.88 | 27.06 | 7.68 | | Gross Loans HFI Growth | 8.94 | 7.55 | 33.76 |
(4.96)
| | Deposit Growth | 4.54 | 7.84 | 29.38 | 12.56 | | | | Average Balances ($000) | | Avg Gross Loans HFI | 3,185,888 | 3,424,089 | 4,504,449 | 4,618,436 | | Avg Loans HFS | 22,214 | 25,720 | 23,538 | 41,753 | | Average Loans, Gross of Reserves | 3,208,102 | 3,449,809 | 4,527,987 | 4,660,189 | | Avg Securities | 1,022,112 | 1,005,439 | 1,076,744 | 1,152,561 | | Avg Other Int Earn Assets | 51,916 | 113,625 | 61,151 | 304,739 | | Avg Secs & Other Int Earn Assets | 1,074,028 | 1,119,064 | 1,137,895 | 1,457,300 | | Avg Interest Earning Assets | 4,282,130 | 4,568,873 | 5,665,882 | 6,117,489 | | Avg Assets | 4,726,832 | 4,992,766 | 6,333,088 | 6,804,599 | | Avg CDs | 1,010,820 | 1,105,959 | 1,688,859 | 2,129,313 | | Avg Other Interest-bearing Deposits | 1,696,892 | 1,944,540 | 2,265,360 | 2,404,679 | | Avg Interest-bearing Deposits | 2,707,712 | 3,050,499 | 3,954,219 | 4,533,992 | | Avg Debt | 765,334 | 623,313 | 874,193 | 683,057 | | Avg Interest-bearing Liabs | 3,473,046 | 3,673,812 | 4,828,412 | 5,217,049 | | Avg Noninterest Bearing Deposits | 837,909 | 842,239 | 940,968 | 965,226 | | Avg Total Deposits | 3,545,621 | 3,892,738 | 4,895,187 | 5,499,218 | | Avg Preferred Equity | 0 | 0 | 43,750 | 50,000 | | Avg Common Equity | 371,017 | 425,186 | 463,121 | 507,346 | | Avg Equity | 371,017 | 425,186 | 505,535 | 555,263 | | |
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