|
Revenues:
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest and fee income
|
|
$468.8m
|
$481.7m
|
$469.2m
|
$508.3m
|
$451.1m
|
$485.7m
|
$508.3m
|
$468.5m
|
$465.1m
|
$484.8m
|
|
Insurance and other income, net
|
|
$63.0m
|
$67.0m
|
$75.4m
|
$81.7m
|
$74.4m
|
$96.7m
|
$108.2m
|
$104.7m
|
$99.8m
|
$100.3m
|
|
Provision for credit losses
|
|
—
|
—
|
$148.4m
|
$181.7m
|
$86.2m
|
$186.2m
|
$259.5m
|
$157.0m
|
$169.2m
|
$188.6m
|
|
Personnel
|
|
$172.0m
|
$182.9m
|
$180.8m
|
$203.8m
|
$184.6m
|
$183.1m
|
$177.7m
|
$164.5m
|
$141.1m
|
$200.0m
|
|
Occupancy and equipment
|
|
$42.4m
|
$43.8m
|
$41.3m
|
$54.2m
|
$56.2m
|
$52.1m
|
$52.1m
|
$49.8m
|
$49.1m
|
$48.4m
|
|
Advertising
|
|
$17.9m
|
$22.3m
|
$22.5m
|
$24.3m
|
$17.2m
|
$18.3m
|
$6.1m
|
$9.9m
|
$10.2m
|
$10.6m
|
|
Amortization of intangible assets
|
|
$490k
|
$990k
|
$1.5m
|
$5.0m
|
$5.5m
|
$5.0m
|
$4.5m
|
$4.2m
|
$3.8m
|
$3.2m
|
|
Other
|
|
$34.9m
|
$47.4m
|
$42.2m
|
$60.2m
|
$38.7m
|
$38.7m
|
$39.1m
|
$40.2m
|
$36.7m
|
$39.7m
|
|
Income taxes
|
|
$40.4m
|
$47.5m
|
$16.0m
|
$6.8m
|
$0
|
$11.7m
|
$5.9m
|
$22.1m
|
$22.2m
|
$10.7m
|
|
Income before income taxes
|
|
$114.0m
|
$101.2m
|
$73.9m
|
$28.2m
|
$111.4m
|
$65.6m
|
$27.1m
|
$99.4m
|
$112.0m
|
$45.2m
|
|
Net income
|
|
$73.6m
|
$53.7m
|
$37.2m
|
$28.2m
|
$88.3m
|
$53.9m
|
$21.2m
|
$77.3m
|
$89.7m
|
$34.6m
|
|
Basic (in dollars per share)
|
|
$8.45
|
$6.11
|
$4.14
|
$3.66
|
$13.59
|
$8.88
|
$3.69
|
$13.45
|
$16.54
|
$7.00
|
|
Diluted (in dollars per share)
|
|
$8.38
|
$5.99
|
$4.05
|
$3.54
|
$13.23
|
$8.47
|
$3.60
|
$13.19
|
$16.30
|
$6.88
|
|
Interest expense
|
|
$21.5m
|
$19.1m
|
$17.9m
|
$25.9m
|
$25.7m
|
$33.4m
|
$50.5m
|
$48.2m
|
$42.7m
|
$49.4m
|
|
Total general and administrative expenses
|
|
$267.7m
|
$297.4m
|
$288.3m
|
$347.5m
|
$302.2m
|
$297.2m
|
$279.5m
|
$268.6m
|
$240.9m
|
$301.9m
|
|
Total expenses
|
|
$417.7m
|
$447.5m
|
$454.7m
|
$555.1m
|
$414.1m
|
$516.8m
|
$589.4m
|
$473.8m
|
$452.9m
|
$539.9m
|