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LC • CIK 0001409970
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Investment Banking, Advisory, Brokerage, and Underwriting Fees and Commissions | $291,484 | $242,791 | $355,944 | $355,944 |
| Noninterest Income, Other Operating Income | $11,297 | $10,179 | $17,232 | $22,677 |
| Noninterest Income | $302,781 | $252,970 | $373,176 | $371,091 |
| Interest Revenue (Expense), Net | — | $534,041 | $625,672 | $676,717 |
| Revenues, Net of Interest Expense | $864,619 | $787,011 | $998,848 | $1,047,808 |
| Provision for Loan, Lease, and Other Losses | $243,565 | $178,267 | $191,320 | $82,911 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $54,617 | $65,066 | $176,946 | $250,252 |
| Income Tax Expense (Benefit) | $15,678 | $13,736 | $41,269 | $54,673 |
| Net Income (Loss) Attributable to Parent | $38,939 | $51,330 | $135,677 | $195,579 |
| Interest and Fee Income, Nonmortgage Loans and Leases Held-for-sale | $35,655 | $92,442 | $142,937 | $142,937 |
| Interest and Fee Income, Other Loans | $69,866 | $77,034 | $72,782 | $72,782 |
| Interest Income, Debt Securities, Available-for-sale, Operating | $40,235 | $187,961 | $223,820 | $221,726 |
| Other Interest and Dividend Income | $65,917 | $56,307 | $31,933 | $29,537 |
| Interest and Dividend Income, Operating | $832,630 | $907,958 | $961,543 | $1,022,529 |
| Interest Expense, Deposits | $265,556 | $369,219 | $335,724 | $345,666 |
| Interest Expense, Other | $1,014 | $4,698 | $147 | $146 |
| Interest Expense | $270,792 | $373,917 | $335,871 | $345,812 |
| Labor and Related Expense | $261,948 | $232,158 | $241,846 | $255,203 |
| Marketing Expense | $93,840 | $100,402 | $149,211 | $204,387 |
| Equipment Expense | $53,485 | $51,194 | $57,014 | $59,014 |
| Cost, Depreciation and Amortization | $47,195 | — | $62,889 | $67,491 |
| Professional and Contract Services Expense | $35,173 | $32,045 | $42,339 | $46,031 |
| Occupancy, Net | $17,532 | $15,798 | $19,834 | $22,075 |
| Other Noninterest Expense | $57,264 | $53,247 | $57,449 | $60,444 |
| Noninterest Expense | $566,437 | $543,678 | $630,582 | $714,645 |
| Weighted Average Number of Shares Outstanding, Basic | — | 111,731,523 | 114,605,220 | 115,940,597 |
| Weighted Average Number of Shares Outstanding, Diluted | — | 113,122,859 | 117,233,815 | 118,600,911 |
| SegmentExpenditureAdditionToLongLivedAssets | $59,509 | — | — | $59,509 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $14,993 | $15,524 | $11,749 | $11,957 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $1,237,511 | $938,534 | $905,905 | $900,810 |
| Cash, Cash Equivalents, and Federal Funds Sold | $1,252,504 | $954,058 | $917,654 | $912,767 |
| Restricted Cash and Cash Equivalents | $41,644 | $23,338 | $12,783 | $15,455 |
| DebtSecuritiesAvailableForSaleExcludingAccruedInterest | $1,620,262 | $3,452,648 | $3,706,709 | $4,046,761 |
| Financing Receivable, Held-for-Sale | $407,773 | $636,352 | $1,762,396 | $1,773,052 |
| FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss | $4,850,302 | $4,125,818 | $4,272,812 | $3,186,145 |
| FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest | $310,387 | $236,734 | $275,743 | $192,893 |
| FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss | $4,539,915 | $3,889,084 | $3,997,069 | $2,993,252 |
| Property, Plant and Equipment, Net | $161,517 | $167,532 | $254,088 | $276,454 |
| Goodwill | $75,717 | $75,717 | $75,717 | $75,717 |
| Other Assets | $455,453 | $403,982 | $368,086 | $370,516 |
| Assets | $8,827,463 | $10,630,509 | $11,567,816 | $12,549,040 |
| Other Liabilities | $222,801 | $220,541 | $233,518 | $216,308 |
| Liabilities | $7,575,641 | $9,288,778 | $10,067,388 | $10,981,575 |
| Interest-bearing Deposit Liabilities | $7,001,680 | $8,676,119 | $9,459,483 | $10,336,236 |
| Noninterest-bearing Deposit Liabilities | $331,806 | $392,118 | $374,387 | $429,031 |
| Deposits | $7,333,486 | $9,068,237 | $9,833,870 | $10,765,267 |
| Common Stock, Value, Issued | $1,104 | $1,134 | $1,154 | $1,154 |
| Additional Paid in Capital | $1,669,828 | $1,702,316 | $1,719,233 | $1,697,357 |
| Retained Earnings (Accumulated Deficit) | $-388,806 | $-337,476 | $-201,799 | $-92,048 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-30,304 | $-24,243 | $-18,160 | $-38,998 |
| Stockholders' Equity Attributable to Parent | $1,251,822 | $1,341,731 | $1,500,428 | $1,567,465 |
| DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestBeforeAllowanceForCreditLoss | — | $3,492,264 | $3,733,780 | $4,103,026 |
| Common Stock, Shares Authorized | 180,000,000 | 180,000,000 | 180,000,000 | 180,000,000 |
| Common Stock, Shares, Issued | 110,410,602 | 113,383,917 | 115,368,987 | 115,407,464 |
| Operating Lease, Right-of-Use Asset | $26,611 | $21,304 | $12,942 | $9,403 |
| Operating Lease, Liability | $37,869 | $28,502 | $15,826 | $11,369 |
| Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $407,773 | — | — | $849,967 |
| Investments in and Advance to Affiliates, Subsidiaries, Associates, and Joint Ventures | $0 | — | — | $0 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $38,939 | $51,330 | $135,677 | $195,579 |
| Net Cash Provided by (Used in) Operating Activities | $-1,136,600 | $-2,634,174 | $-2,726,940 | $-2,866,470 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $169,664 | $-316,752 | $-46,959 | $153,901 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $1,294,148 | $977,396 | $930,437 | $832,052 |
| Payments for (Proceeds from) Loans Receivable | $-497,276 | $223,857 | $-320,535 | $17,930 |
| Payments to Acquire Debt Securities, Available-for-sale | $61,648 | $49,786 | $30,452 | $91,446 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $97,709 | $938,409 | $1,786,765 | $2,053,005 |
| Provision for Loan, Lease, and Other Losses | $243,565 | $178,267 | $191,320 | $82,911 |
| Payments to Acquire Property, Plant, and Equipment | $59,509 | $54,302 | $140,341 | $90,332 |
| Amortization of Deferred Loan Origination Fees, Net | $90,723 | $68,535 | $62,361 | $57,157 |
| Payments for (Proceeds from) Other Investing Activities | $4,676 | $2,651 | $4,348 | $1,951 |
| Share-based Payment Arrangement, Noncash Expense | $52,389 | $40,069 | $34,286 | $31,230 |
| Net Cash Provided by (Used in) Investing Activities | $516,697 | $607,813 | $1,932,159 | $1,440,762 |
| Cost, Depreciation and Amortization | $47,195 | — | $62,889 | $67,491 |
| Other Noncash Income (Expense) | $8,932 | $-10,754 | $-9,995 | $-4,222 |
| Increase (Decrease) in Loans Held-for-sale | $1,535,037 | $3,101,778 | $3,267,348 | $3,469,001 |
| Increase (Decrease) in Savings Deposits | $921,393 | $1,742,479 | $769,915 | $1,635,917 |
| Repayments of Other Debt | $64,448 | $19,202 | $0 | $0 |
| Proceeds from (Payments for) Other Financing Activities | $-19,833 | $-13,668 | $-22,093 | $-22,093 |
| Net Cash Provided by (Used in) Financing Activities | $789,567 | $1,709,609 | $747,822 | $1,579,609 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $258,626 | $378,276 | $341,390 | $348,082 |
| Income Taxes Paid, Net | $6,631 | $275 | $3,377 | $4,415 |
| Operating Lease, Payments, Use | $12,797 | $12,869 | $13,688 | $11,597 |
| Increase (Decrease) in Other Operating Assets | $-54,894 | $-22,422 | $-33,593 | $-24,390 |
| Increase (Decrease) in Other Operating Liabilities | $-87,746 | $-6,458 | $-307 | $-24,101 |
| Cash, Cash Equivalents, and Federal Funds Sold | $1,252,504 | $954,058 | $917,654 | $824,082 |
| Restricted Cash and Cash Equivalents | $41,644 | $23,338 | $12,783 | $7,970 |
| Depreciation, Depletion and Amortization | $47,195 | $58,834 | — | $65,996 |