Financial Highlights

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

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Balance Sheet ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Loans Held for Investment, before Reserves	31,281,274	30,203,400	3.57	30,568,525	9.33
Loans Held for Sale, before Reserves	718,095	504,351	42.38	1,204,370	(161.50)
Loan Loss Reserve	196,200	170,090	15.35	192,259	8.20
Net Loans Receivable	31,803,169	30,537,661	4.14	31,580,636	2.82
Intangible Assets	2,463,734	2,482,639	(0.76)	2,468,155	(0.72)
Total Assets	44,511,718	43,038,151	3.42	44,145,100	3.32
Deposits	25,477,672	22,940,793	11.06	24,877,521	9.65
Debt, Senior and Subordinated	13,178,568	14,276,124	(7.69)	13,430,191	(7.49)
Common Equity	5,665,614	5,579,941	1.54	5,656,264	0.66
Total Shareholders' Equity	5,665,614	5,579,941	1.54	5,656,264	0.66
Shares Outstanding (actual)	440,867,068	439,133,548	0.39	439,050,966	1.65

Income Statement ($000)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Net Interest Income	275,176	288,414	(4.59)	290,001	(20.45)
Provision for Loan Losses	9,502	15,000	(36.65)	1,720	1,809.77
Noninterest Income	58,929	61,278	(3.83)	54,823	29.96
Noninterest Expense	156,096	150,177	3.94	154,550	4.00
Net Income Before Taxes	185,129	185,233	(0.06)	189,226	(8.66)
Provision for Taxes	66,454	66,980	(0.79)	66,383	0.43
Net Income	118,675	118,253	0.36	122,843	(13.57)

Per Share Items ($)
	2013 Q1	2012 Q1	Y-Y Ch (%)	2012 Q4	Q-Q Ch (%)^†
Book Value per Share	12.85	12.71	1.14	12.88	(0.99)
Tangible Book Value	7.26	7.05	2.97	7.26	0.07
Diluted EPS Before Extra	0.27	0.27	0.00	0.28	(14.29)
Diluted EPS After Extra	0.27	0.27	0.00	0.28	(14.29)
Dividends Declared	0.2500	0.2500	0.00	0.2500	0.00

Performance Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
ROAA	1.10	1.13	(3)	1.14	(4)
ROAE	8.43	8.56	(13)	8.94	(51)
Net Interest Margin	2.95	3.24	(29)	3.15	(20)
Loans / Deposits	122.78	131.66	(888)	122.88	(10)
Efficiency Ratio	43.25	41.39	186	43.37	(12)

Balance Sheet Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tangible Equity/ Tangible Assets	7.61	7.64	(2)	7.65	(3)
Equity/ Assets	12.73	12.97	(24)	12.81	(8)

Asset Quality Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Nonperforming Assets/ Assets	0.59	0.85	(26)	0.66	(7)
Loan Loss Reserves/ Gross Loans	0.61	0.55	6	0.61	1
Loan Loss Reserves/ NPAs	58.84	38.83	2,001	48.59	1,025
Net Charge-offs/ Avg Loans	0.08	0.23	(15)	0.04	3

Regulatory Capital Ratios (%)
	2013 Q1	2012 Q1	Y-Y Ch (bp)	2012 Q4	Q-Q Ch (bp)
Tier 1 Capital Ratio	13.26	13.42	(16)	13.38	(12)

^† 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.