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RCB • CIK 0001527590
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Dividend Income, Operating | $945,814 | $896,975 | $569,166 | $420,595 |
| InterestExpenseOperating | — | $696,455 | $514,125 | $417,509 |
| Interest Income (Expense), Net | $229,346 | $200,520 | $55,041 | $3,086 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $7,230 | $292,759 | $87,038 | $280,427 |
| Interest Income (Expense), after Provision for Loan Loss | $222,116 | $-92,239 | $-31,997 | $-277,341 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $358,419 | $-516,511 | $-302,556 | $-620,794 |
| Income Tax Expense (Benefit) | $7,174 | $-104,512 | $-86,703 | $-71,512 |
| Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest | $351,245 | $-411,999 | $-215,853 | $-549,282 |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $348,411 | $-430,398 | $-221,061 | $-549,119 |
| Preferred Stock Dividends, Income Statement Impact | $7,997 | $7,996 | $7,996 | $7,996 |
| Net Income (Loss) Attributable to Noncontrolling Interest | $8,960 | $5,357 | $7,854 | $7,070 |
| Net Income (Loss) Available to Common Stockholders, Basic | $331,454 | $-443,751 | $-236,911 | $-564,185 |
| Realized Investment Gains (Losses) | $65,008 | $-54,000 | $-142,112 | $-253,301 |
| Unrealized Gain (Loss) on Investments | $9,718 | $-14,991 | $-13,153 | $-20,882 |
| Business Combination, Bargain Purchase, Gain Recognized, Amount | $207,972 | — | $109,549 | $21,459 |
| Income (Loss) from Equity Method Investments | $-905 | $10,886 | $4,562 | $12,023 |
| Noninterest Income, Other Operating Income | $103,127 | $50,803 | $53,716 | $63,101 |
| Noninterest Income | $408,468 | $-101,765 | $46,708 | $-8,759 |
| Professional Fees | $34,738 | $26,887 | $30,837 | $33,307 |
| Loan Portfolio Expense | $40,811 | $46,656 | $41,258 | $33,489 |
| Business Combination, Integration Related Costs | $17,764 | $10,118 | $6,050 | $3,564 |
| Impairment of Real Estate | $8,638 | $56,503 | $23,503 | $17,372 |
| Other Cost and Expense, Operating | $59,591 | $63,572 | $90,956 | $120,982 |
| Noninterest Expense | $272,165 | $322,507 | $317,267 | $334,694 |
| Discontinued Operation, Income (Loss) from Discontinued Operation, before Income Tax | $-3,779 | $-24,532 | $-6,944 | $217 |
| Discontinued Operation, Tax Effect of Discontinued Operation | $-945 | $-6,133 | $-1,736 | $54 |
| Income (Loss) from Discontinued Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest | $-2,834 | $-18,399 | $-5,208 | $163 |
| Weighted Average Number of Shares Outstanding, Basic | 146,841,594 | 169,107,477 | 164,544,350 | 162,445,169 |
| Weighted Average Number of Shares Outstanding, Diluted | 148,567,026 | 170,472,273 | 167,259,712 | 169,113,104 |
| Amortization of Mortgage Servicing Rights (MSRs) | $7,911 | $21,972 | $29,919 | $29,545 |
| Undistributed Earnings (Loss) Allocated to Participating Securities, Basic | $9,284 | $9,125 | $8,667 | $8,339 |
| Net Income (Loss) from Continuing Operations Available to Common Shareholders, Basic | — | $-426,481 | $-232,374 | $-564,691 |
| Net Income (Loss) from Discontinued Operations Available to Common Shareholders, Basic | — | $-18,399 | $-5,208 | $163 |
| Net Income (Loss) from Continuing Operations Available to Common Shareholders, Diluted | — | $-425,957 | $-231,850 | $-564,167 |
| Weighted Average Number Diluted Shares Outstanding Adjustment | 1,725,432 | 1,364,796 | 2,715,362 | 6,667,935 |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 1,330,582 | 885,582 | 320,005 | 37,042 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Temporary Equity, Carrying Amount, Attributable to Parent | $8,361 | $8,361 | $8,361 | $8,361 |
| Liabilities and Equity | $12,441,217 | $10,141,921 | $7,769,796 | $6,263,916 |
| Cash and Cash Equivalents, at Carrying Value | $138,532 | $143,803 | $207,841 | $124,149 |
| Restricted Cash | $30,063 | $30,560 | $39,746 | $50,182 |
| Mortgage-backed Securities Held-to-maturity, Fair Value Disclosure | $27,436 | $31,006 | $34,501 | $31,587 |
| Equity Method Investments | $133,321 | $161,561 | $161,424 | $165,658 |
| Derivative Asset | $2,404 | $7,963 | $6,740 | $3,096 |
| Servicing Asset | $102,837 | $128,440 | $126,279 | $117,463 |
| Real Estate Acquired Through Foreclosure | $252,949 | $193,437 | $620,225 | $572,850 |
| Prepaid Expense and Other Assets | $265,578 | $362,486 | $508,238 | $466,161 |
| Disposal Group, Including Discontinued Operation, Assets | $454,596 | $287,595 | $0 | $0 |
| Borrowings under Guaranteed Investment Agreements | $844,540 | $691,118 | $524,091 | $950,103 |
| Business Combination, Contingent Consideration, Liability | $7,628 | $573 | $18,698 | $22,265 |
| Derivative Liability | — | $352 | $1,432 | $60 |
| Dividends Payable | $54,289 | $43,168 | $3,633 | $3,665 |
| Accounts Payable and Other Accrued Liabilities | $171,445 | $188,051 | $171,636 | $165,620 |
| Disposal Group, Including Discontinued Operation, Liabilities | $333,157 | $228,735 | $0 | $0 |
| Liabilities | $9,794,455 | $8,197,818 | $6,118,168 | $4,913,679 |
| Preferred Stock, Value, Issued | $111,378 | $111,378 | $111,378 | $111,378 |
| Common Stock, Value, Issued | $17 | $17 | $17 | $17 |
| Additional Paid in Capital | $2,321,989 | $2,250,291 | $2,264,355 | $2,267,394 |
| Retained Earnings (Accumulated Deficit) | $124,413 | $-505,089 | $-807,522 | $-1,118,135 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-17,860 | $-18,552 | $-24,196 | $-21,448 |
| Stockholders' Equity Attributable to Parent | $2,539,937 | $1,838,045 | $1,544,032 | $1,239,206 |
| Stockholders' Equity Attributable to Noncontrolling Interest | $98,464 | $97,697 | $99,235 | $102,670 |
| Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest | $2,638,401 | $1,935,742 | $1,643,267 | $1,341,876 |
| Loans Held-for-sale, Fair Value Disclosure | $81,599 | $128,531 | $73,094 | $61,314 |
| Equity Method Investments, Fair Value Disclosure | $7,360 | $6,577 | $5,737 | $5,294 |
| Common Stock, Shares Authorized | 500,000,000 | 500,000,000 | 500,000,000 | 500,000,000 |
| Common Stock, Shares, Issued | 172,276,105 | 162,792,372 | 163,010,012 | 165,209,516 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $348,411 | $-430,398 | $-221,061 | $-549,119 |
| Income (Loss) from Discontinued Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest | $-2,834 | $-18,399 | $-5,208 | $163 |
| Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest | $351,245 | $-411,999 | $-215,853 | $-549,282 |
| Net Cash Provided by (Used in) Operating Activities, Continuing Operations | $100,857 | $286,399 | $455,901 | $1,089,211 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | — | $-79,732 | $66,760 | $-44,725 |
| Cash Provided by (Used in) Operating Activities, Discontinued Operations | $-49,727 | $-11,584 | $-23,784 | $0 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $262,506 | $182,774 | $249,534 | $242,358 |
| Net Cash Provided by (Used in) Operating Activities | $51,130 | $274,815 | $432,117 | $1,089,211 |
| Payments to Acquire Held-to-maturity Securities | $140 | $0 | $2,385 | $0 |
| Proceeds from Sale of Mortgage-backed Securities (MBS), Available-for-sale | $8,059 | $0 | $776 | $4,523 |
| Payments to Acquire Held-for-sale Real Estate | $12,463 | $1,408 | $2,366 | $3,294 |
| Proceeds from Sale of Property Held-for-sale | $78,001 | $67,240 | $72,565 | $155,845 |
| Payments to Acquire Equity Method Investments | $25,186 | $33,239 | $25,535 | $23,566 |
| Proceeds from Equity Method Investment, Distribution, Return of Capital | $7,573 | $13,593 | $33,233 | $38,177 |
| Payments for Participation Liabilities | $9,051 | $14,535 | $48,110 | $46,775 |
| Cash Acquired from Acquisition | — | — | $4,249 | $4,249 |
| Payments for (Proceeds from) Previous Acquisition | — | — | $-16,020 | $0 |
| Net Cash Provided by (Used in) Investing Activities, Continuing Operations | $1,021,352 | $1,434,972 | $1,599,223 | $1,798,156 |
| Cash Provided by (Used in) Investing Activities, Discontinued Operations | $-1,908 | $100,045 | $43,316 | $0 |
| Net Cash Provided by (Used in) Investing Activities | $1,019,444 | $1,535,017 | $1,642,539 | $1,798,156 |
| Proceeds from Lines of Credit | $4,127,416 | $2,102,388 | $3,035,413 | $1,717,205 |
| Repayments of Lines of Credit | $4,692,079 | $2,166,562 | $2,285,215 | $3,346,317 |
| Proceeds from Issuance of Debt | $220,146 | $125,905 | $0 | $0 |
| Repayments of Debt | $50,000 | — | $247,434 | $199,917 |
| Proceeds from Issuance of Secured Debt | — | — | $290,250 | $0 |
| Repayments of Convertible Debt | $115,000 | $0 | $0 | $0 |
| Payments of Financing Costs | $32,210 | $12,178 | $29,827 | $17,615 |
| Payment for Contingent Consideration Liability, Financing Activities | $9,000 | $0 | $0 | $0 |
| Proceeds from Issuance of Common Stock | $108 | $0 | $0 | $0 |
| Payments for Repurchase of Common Stock | $18,108 | $82,250 | $67,596 | $12,445 |
| Payment, Tax Withholding, Share-based Payment Arrangement | $3,948 | $1,238 | $2,106 | $697 |
| Payments of Ordinary Dividends, Common Stock | $215,089 | $206,057 | $113,317 | $52,758 |
| Proceeds from (Payments to) Noncontrolling Interests | $-6 | $-18 | $0 | $0 |
| Net Cash Provided by (Used in) Financing Activities, Continuing Operations | $-1,133,307 | $-1,839,148 | $-2,033,364 | $-2,932,092 |
| Cash Provided by (Used in) Financing Activities, Discontinued Operations | $48,220 | $-40,632 | $-4,324 | $0 |
| Net Cash Provided by (Used in) Financing Activities | $-1,085,087 | $-1,879,780 | $-2,037,688 | $-2,932,092 |
| Amortization of Debt Issuance Costs and Discounts | $66,526 | $52,541 | $45,611 | $48,887 |
| Share-based Payment Arrangement, Noncash Expense | $7,550 | $8,119 | $5,807 | $6,500 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $7,230 | $292,759 | $87,038 | $280,427 |
| Impairment of Real Estate | $8,638 | $56,503 | $23,503 | $17,372 |
| Depreciation, Depletion and Amortization | — | — | $2,812 | $5,963 |
| Income (Loss) from Equity Method Investments, Net of Dividends or Distributions | $-2,933 | $7,702 | $2,271 | $10,900 |
| Business Combination, Bargain Purchase, Gain Recognized, Amount | $207,972 | — | $109,549 | $21,459 |
| Increase (Decrease) in Derivative Assets and Liabilities | $-12,369 | $-5,234 | $1,384 | $-4,772 |
| Increase (Decrease) in Accounts Receivable | $21,313 | $-1,948 | $2,973 | $12,875 |
| Increase (Decrease) in Other Operating Assets | $91,891 | $58,932 | $217,211 | $92,811 |
| Increase (Decrease) in Other Accounts Payable and Accrued Liabilities | $55,840 | $-22,214 | $-14,413 | $-36,968 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $661,169 | $659,264 | $489,249 | $377,255 |
| Income Taxes Paid, Net | $2,008 | $-11,928 | $-34 | $384 |
| Transfer of Portfolio Loans and Leases to Held-for-sale | $68,661 | $13,173 | $158,804 | $123,248 |
| Real Estate Owned, Transfer to Real Estate Owned | $56,900 | $86,990 | $540,536 | $554,623 |
| AssetAcquisitionContingentConsiderationLiability | $25,000 | $573 | $15,242 | $-167 |
| Cash and Cash Equivalents, at Carrying Value | $138,532 | $143,803 | $207,841 | $202,354 |
| Restricted Cash | $30,063 | $30,560 | $39,746 | $39,049 |