Exhibit 99.2

EverBank Financial Corp and Subsidiaries

Quarterly Financial Tables

December 31, 2014

Table of Contents

Table 1	Financial Highlights
Table 2	Consolidated Statements of Income
Table 3	Consolidated Balance Sheets
Table 4	Business Segments Selected Financial Information
Table 5	Average Balances and Interest Rates
Table 6a	Loans and Leases Held for Investment
Table 6b	Deposits
Table 7	General and Administrative Expense
Table 8	Non-Performing Assets
Table 9	Credit Reserves
	Table 9a	Allowance for Loan and Lease Losses Activity
	Table 9b	Allowance for Loan and Lease Losses Ratios
	Table 9c	Reserves for Repurchase Obligations for Loans Sold or Securitized
	Table 9d	Reserves for Repurchase Obligations for Loans Serviced
Table 10	Reconciliation of Non-GAAP Measures
	Table 10a	Adjusted Net Income
	Table 10b	Tangible Equity, Tangible Common Equity and Tangible Assets
	Table 10c	Regulatory Capital (bank level)
	Table 10d	Regulatory Capital (EFC consolidated)
Table 11	Residential Mortgage Lending and Servicing

EverBank Financial Corp and Subsidiaries
Financial Highlights													Table 1
	As of and for the  Three Months Ended									As of and for the Year Ended
(dollars in thousands, except per share amounts)	Dec 31, 2014			Sep 30, 2014			Dec 31, 2013			Dec 31, 2014			Dec 31, 2013
Operating Results:
Total revenue(1)	$	222,609		$	234,550		$	230,745		$	902,046		$	1,078,316
Net interest income	147,436			146,336			135,036			564,807			558,925
Provision for loan and lease losses	8,604			6,735			7,022			24,533			12,038
Noninterest income	75,173			88,214			95,709			337,239			519,391
Noninterest expense	152,657			157,753			197,186			638,942			848,238
Net income	38,021			43,519			18,451			148,082			136,740
Net earnings per common share, basic	0.29			0.33			0.13			1.12			1.04
Net earnings per common share, diluted	0.28			0.33			0.13			1.10			1.02
Performance Metrics:
Yield on interest-earning assets	3.97		%	3.95		%	4.35		%	4.08		%	4.39		%
Cost of interest-bearing liabilities	1.04		%	1.01		%	1.08		%	1.04		%	1.19		%
Net interest margin	3.00		%	3.02		%	3.37		%	3.14		%	3.34		%
Return on average assets	0.73		%	0.85		%	0.43		%	0.77		%	0.75		%
Return on average risk-weighted assets(2)	1.15		%	1.37		%	0.65		%	1.19		%	1.20		%
Return on average equity(3)	9.0		%	10.6		%	4.4		%	9.0		%	9.1		%
Efficiency ratio(4)	69		%	67		%	85		%	71		%	79		%
Loans and leases held for investment as a percentage of deposits	115		%	115		%	100		%	115		%	100		%
Loans and leases held for investment excluding government insured pool buyouts as a percentage of deposits	91		%	91		%	86		%	91		%	86		%
Credit Quality Ratios:
Adjusted non-performing assets as a percentage of total assets(5)	0.46		%	0.50		%	0.65		%	0.46		%	0.65		%
Net charge-offs to average loans and leases held for investment	0.12		%	0.09		%	0.20		%	0.13		%	0.21		%
ALLL as a percentage of loans and leases held for investment	0.34		%	0.35		%	0.48		%	0.34		%	0.48		%
Government insured pool buyouts as a percentage of loans and leases held for investment	20		%	20		%	14		%	20		%	14		%
Capital:
Common equity tier 1 ratio (EFC consolidated, Basel I)(6)	11.6		%	12.0		%	12.1		%	11.6		%	12.1		%
Tier 1 leverage ratio (bank level)(7)	8.2		%	8.5		%	9.0		%	8.2		%	9.0		%
Total risk-based capital ratio (bank level)(8)	13.4		%	14.0		%	14.3		%	13.4		%	14.3		%
Tangible common equity per common share(9)	$	12.51		$	12.36		$	11.57		$	12.51		$	11.57
Consumer Banking Metrics:
Unpaid principal balance of loans originated	$	2,177,636		$	2,302,082		$	1,996,033		$	8,413,086		$	10,849,879
Jumbo residential mortgage loans originated	1,183,702			1,187,161			808,001			4,287,189			3,390,976
Unpaid principal balance of loans sold	1,647,399			2,172,645			1,677,589			6,561,512			10,407,941
Unpaid principal balance of loans serviced for the Company and others	50,746,457			50,830,585			61,035,320			50,746,457			61,035,320
Consumer Banking loans as a percentage of loans and leases held for investment	57		%	58		%	54		%	57		%	54		%
Consumer deposits	$	12,554,702		$	12,087,775		$	11,434,670		$	12,554,702		$	11,434,670
Commercial Banking Metrics:
Loan and lease originations:
Commercial and commercial real estate	$	483,967		$	361,387		$	441,661		$	1,288,792		$	1,199,556
Equipment financing receivables	357,870			392,790			259,971			1,316,669			774,729
Commercial Banking loans as a percentage of loans and leases held for investment	43		%	42		%	46		%	43		%	46		%
Commercial deposits	$	2,953,995		$	2,385,730		$	1,826,670		$	2,953,995		$	1,826,670
Market Price Per Share of Common Stock:
Closing	$	19.06		$	17.66		$	18.34		$	19.06		$	18.34
High	19.56			20.50			18.75			20.61			18.75
Low	17.33			17.66			13.99			16.40			12.75
Period End Balance Sheet Data:
Loans and leases held for investment, net	$	17,699,407		$	16,522,706		$	13,189,034		$	17,699,407		$	13,189,034
Total assets	21,617,788			20,510,342			17,640,984			21,617,788			17,640,984
Deposits	15,508,697			14,473,505			13,261,340			15,508,697			13,261,340
Total liabilities	19,870,194			18,789,319			16,019,971			19,870,194			16,019,971
Total shareholders’ equity	1,747,594			1,721,023			1,621,013			1,747,594			1,621,013

See Notes to Financial Highlights

EverBank Financial Corp and Subsidiaries

Financial Highlights - Notes

(Dollars in thousands)

(1) Total revenue is defined as net interest income before provision for loan and lease losses and total noninterest income.

(2) Return on average risk-weighted assets equals net income divided by average risk-weighted assets. Under the regulatory guidelines for risk-based capital, on-balance sheet assets and credit equivalent amounts of derivatives and off-balance sheet items are assigned to one of several broad risk categories according to the obligor or, if relevant, the guarantor or the nature of any collateral. The aggregate dollar amount in each risk category is then multiplied by the risk weight associated with that category. The resulting weighted values from each of the risk categories are aggregated for determining total risk-weighted assets. For detailed information regarding regulatory capital (EFC consolidated), see Table 10d.

(3) Return on average equity is calculated as net income less dividends declared on the Series A 6.75% Non-Cumulative Perpetual Preferred Stock divided by average common shareholders' equity (average shareholders' equity less average Series A 6.75% Non-Cumulative Perpetual Preferred Stock).

(4) The efficiency ratio represents noninterest expense as a percentage of total revenues. We use the efficiency ratio to measure noninterest costs expended to generate a dollar of revenue.

(5) We define non-performing assets, or NPA, as non-accrual loans, accruing loans past due 90 days or more and foreclosed property. Our NPA calculation excludes government insured pool buyout loans for which payment is insured by the government. We also exclude loans and foreclosed property accounted for under ASC 310-30 because we expect to fully collect the carrying value of such loans and foreclosed property. For more detailed information on NPA, see Table 8.

(6) The common equity tier 1 ratio is calculated as common tier 1 capital divided by risk-weighted assets. Common tier 1 capital is calculated as tier 1 capital less the Series A 6.75% Non-Cumulative Perpetual Preferred Stock. Under the regulatory guidelines for risk-based capital, on-balance sheet assets and credit equivalent amounts of derivatives and off-balance sheet items are assigned to one of several broad risk categories according to the obligor or, if relevant, the guarantor or the nature of any collateral. The aggregate dollar amount in each risk category is then multiplied by the risk weight associated with that category. The resulting weighted values from each of the risk categories are aggregated for determining total risk-weighted assets. For detailed information regarding regulatory capital (EFC consolidated), see Table 10d.

(7) Calculated as Tier 1 capital divided by adjusted total assets. Total assets are adjusted for goodwill, deferred tax assets disallowed from Tier 1 capital and other regulatory adjustments. For more detailed information on regulatory capital (bank level), see Table 10c.

(8) Calculated as total risk-based capital divided by total risk-weighted assets. Risk-based capital includes Tier 1 capital, allowance for loan and lease losses, subject to limitations, and other regulatory adjustments. Under the regulatory guidelines for risk-based capital, on-balance sheet assets and credit equivalent amounts of derivatives and off-balance sheet items are assigned to one of several broad risk categories according to the obligor or, if relevant, the guarantor or the nature of any collateral. The aggregate dollar amount in each risk category is then multiplied by the risk weight associated with that category. The resulting weighted values from each of the risk categories are aggregated for determining total risk-weighted assets. For more detailed information on regulatory capital (bank level), see Table 10c.

(9) Calculated as tangible common shareholders' equity divided by shares of common stock. Tangible common shareholders' equity equals shareholders' equity less goodwill, other intangible assets and perpetual preferred stock (see Table 10b). Tangible common equity per common share is calculated using a denominator that includes actual period end common shares outstanding. Tangible common equity per common share is a non-GAAP financial measure, and its most directly comparable GAAP financial measure is book value per common share.

EverBank Financial Corp and Subsidiaries
Consolidated Statements of Income													Table 2
	Three Months Ended									Year Ended
(dollars in thousands, except per share data)	Dec 31, 2014			Sep 30, 2014			Dec 31, 2013			Dec 31, 2014			Dec 31, 2013
Interest Income
Interest and fees on loans and leases	$	184,880		$	180,913		$	162,343		$	694,588		$	678,962
Interest and dividends on investment securities	9,336			9,627			10,633			38,612			55,072
Other interest income	179			116			555			567			1,663
Total interest income	194,395			190,656			173,531			733,767			735,697
Interest Expense
Deposits	29,108			26,755			23,925			101,912			101,752
Other borrowings	17,851			17,565			14,570			67,048			75,020
Total interest expense	46,959			44,320			38,495			168,960			176,772
Net Interest Income	147,436			146,336			135,036			564,807			558,925
Provision for loan and lease losses	8,604			6,735			7,022			24,533			12,038
Net Interest Income after Provision for Loan and Lease Losses	138,832			139,601			128,014			540,274			546,887
Noninterest Income
Loan servicing fee income	35,529			35,900			48,691			158,463			188,759
Amortization of mortgage servicing rights	(20,064		)	(19,572		)	(25,342		)	(79,234		)	(126,803		)
Recovery (impairment) of mortgage servicing rights	—			3,071			14,692			8,012			94,951
Net loan servicing income	15,465			19,399			38,041			87,241			156,907
Gain on sale of loans	34,170			47,920			32,867			163,644			242,412
Loan production revenue	5,243			5,783			5,920			20,952			35,986
Deposit fee income	3,087			3,828			3,917			14,783			19,084
Other lease income	4,376			3,910			5,293			16,997			24,681
Other	12,832			7,374			9,671			33,622			40,321
Total noninterest income	75,173			88,214			95,709			337,239			519,391
Noninterest Expense
Salaries, commissions and other employee benefits expense	86,736			90,781			101,656			370,470			441,736
Equipment expense	16,716			16,623			24,752			69,332			85,920
Occupancy expense	7,481			7,209			11,481			30,647			35,087
General and administrative expense	41,724			43,140			59,297			168,493			285,495
Total noninterest expense	152,657			157,753			197,186			638,942			848,238
Income before Income Taxes	61,348			70,062			26,537			238,571			218,040
Provision for Income Taxes	23,327			26,543			8,086			90,489			81,300
Net Income	$	38,021		$	43,519		$	18,451		$	148,082		$	136,740
Net Income Allocated to Preferred Stock	2,531			2,532			2,531			10,125			10,125
Net Income Allocated to Common Shareholders	$	35,490		$	40,987		$	15,920		$	137,957		$	126,615
Net Earnings per Common Share, Basic	$	0.29		$	0.33		$	0.13		$	1.12		$	1.04
Net Earnings per Common Share, Diluted	$	0.28		$	0.33		$	0.13		$	1.10		$	1.02
Dividends Declared per Common Share	$	0.04		$	0.04		$	0.03		$	0.14		$	0.10
Dividend payout ratio(1)	13.79		%	12.12		%	23.08		%	12.50		%	9.62		%
Weighted Average Common Shares Outstanding
(units in thousands)
Basic	123,278			122,950			122,595			122,940			122,245
Diluted	125,646			125,473			124,420			125,358			123,949

(1) Dividend payout ratio is calculated as dividends declared per common share divided by basic earnings per common share.

EverBank Financial Corp and Subsidiaries
Consolidated Balance Sheets													Table 3
(dollars in thousands)	Dec 31, 2014			Sep 30, 2014			Jun 30, 2014			Mar 31, 2014			Dec 31, 2013
Assets
Cash and due from banks	$	49,436		$	57,835		$	65,433		$	60,587		$	46,175
Interest-bearing deposits in banks	317,228			306,265			104,563			439,242			801,603
Total cash and cash equivalents	366,664			364,100			169,996			499,829			847,778
Investment securities:
Available for sale, at fair value	776,311			987,345			1,029,667			1,118,646			1,115,627
Held to maturity	115,084			113,751			118,614			116,984			107,312
Other investments	196,609			194,314			186,818			122,918			128,063
Total investment securities	1,088,004			1,295,410			1,335,099			1,358,548			1,351,002
Loans held for sale	973,507			871,736			1,704,406			596,729			791,382
Loans and leases held for investment:
Loans and leases held for investment, net of unearned income	17,760,253			16,579,951			15,294,644			13,864,109			13,252,724
Allowance for loan and lease losses	(60,846		)	(57,245		)	(56,728		)	(62,969		)	(63,690		)
Total loans and leases held for investment, net	17,699,407			16,522,706			15,237,916			13,801,140			13,189,034
Mortgage servicing rights (MSR), net	435,619			441,243			437,595			446,493			506,680
Deferred income taxes, net	—			3,162			54,351			42,140			51,375
Premises and equipment, net	56,457			55,500			54,844			60,654			60,733
Other assets	998,130			956,485			759,613			825,415			843,000
Total Assets	$	21,617,788		$	20,510,342		$	19,753,820		$	17,630,948		$	17,640,984
Liabilities
Deposits:
Noninterest-bearing	$	984,703		$	1,084,400		$	1,055,556		$	1,054,796		$	1,076,631
Interest-bearing	14,523,994			13,389,105			12,819,119			12,233,615			12,184,709
Total deposits	15,508,697			14,473,505			13,874,675			13,288,411			13,261,340
Other borrowings	4,004,000			3,977,000			3,797,000			2,377,000			2,377,000
Trust preferred securities	103,750			103,750			103,750			103,750			103,750
Accounts payable and accrued liabilities	253,747			235,064			298,947			214,148			277,881
Total Liabilities	19,870,194			18,789,319			18,074,372			15,983,309			16,019,971
Shareholders’ Equity
Series A 6.75% Non-Cumulative Perpetual Preferred Stock	150,000			150,000			150,000			150,000			150,000
Common Stock	1,237			1,230			1,229			1,227			1,226
Additional paid-in capital	851,158			840,667			837,991			834,460			832,351
Retained earnings	810,796			780,234			744,164			715,599			690,051
Accumulated other comprehensive loss	(65,597		)	(51,108		)	(53,936		)	(53,647		)	(52,615		)
Total Shareholders’ Equity	1,747,594			1,721,023			1,679,448			1,647,639			1,621,013
Total Liabilities and Shareholders’ Equity	$	21,617,788		$	20,510,342		$	19,753,820		$	17,630,948		$	17,640,984

EverBank Financial Corp and Subsidiaries
Business Segments Selected Financial Information											Table 4
(dollars in thousands)	Consumer Banking		Commercial Banking		Corporate Services			Eliminations			Consolidated
Three Months Ended December 31, 2014
Net interest income	$	83,054	$	65,971	$	(1,589	)	$	—		$	147,436
Provision for loan and lease losses	3,789		4,815		—			—			8,604
Net interest income after provision for loan and lease losses	79,265		61,156		(1,589		)	—			138,832
Noninterest income	66,197		9,134		(158		)	—			75,173
Noninterest expense	101,396		24,164		27,097			—			152,657
Income (loss) before income tax	$	44,066	$	46,126	$	(28,844	)	$	—		$	61,348
Total assets as of December 31, 2014	$	13,825,052	$	7,892,974	$	215,095		$	(315,333	)	$	21,617,788
Total deposits as of December 31, 2014	12,554,702		2,953,995		—			—			15,508,697
Three Months Ended September 30, 2014
Net interest income	$	84,635	$	63,302	$	(1,601	)	$	—		$	146,336
Provision for loan and lease losses	5,476		1,259		—			—			6,735
Net interest income after provision for loan and lease losses	79,159		62,043		(1,601		)	—			139,601
Noninterest income	75,241		12,797		176			—			88,214
Noninterest expense	105,776		27,859		24,118			—			157,753
Income (loss) before income tax	$	48,624	$	46,981	$	(25,543	)	$	—		$	70,062
Total assets as of September 30, 2014	$	13,292,823	$	7,257,986	$	120,054		$	(160,521	)	$	20,510,342
Total deposits as of September 30, 2014	12,087,775		2,385,730		—			—			14,473,505
Three Months Ended December 31, 2013
Net interest income	$	68,650	$	67,964	$	(1,578	)	$	—		$	135,036
Provision for loan and lease losses	1,189		5,833		—			—			7,022
Net interest income after provision for loan and lease losses	67,461		62,131		(1,578		)	—			128,014
Noninterest income	82,190		13,378		141			—			95,709
Noninterest expense	147,151		25,824		24,211			—			197,186
Income (loss) before income tax	$	2,500	$	49,685	$	(25,648	)	$	—		$	26,537
Total assets as of December 31, 2013	$	11,321,747	$	6,331,646	$	236,313		$	(248,722	)	$	17,640,984
Total deposits as of December 31, 2013	11,434,670		1,826,670		—			—			13,261,340

EverBank Financial Corp and Subsidiaries
Average Balances and Interest Rates(1) (2) (3)													Table 5
	Three Months Ended December 31, 2014						Three Months Ended September 30, 2014						Three Months Ended December 31, 2013
(dollars in thousands)	Average Balance		Interest		Yield/ Rate		Average Balance		Interest		Yield/ Rate		Average Balance		Interest		Yield/ Rate
Assets:
Interest-earning assets:
Cash and cash equivalents	$	278,651	$	179	0.25	%	$	184,449	$	116	0.25	%	$	677,816	$	555	0.32	%
Investments	1,250,638		9,336		2.98	%	1,322,842		9,627		2.90	%	1,381,481		10,633		3.08	%
Loans held for sale	1,223,558		10,834		3.54	%	1,866,562		15,740		3.37	%	1,095,039		10,499		3.84	%
Loans and leases held for investment:
Consumer Banking:
Residential mortgages:
Residential	6,020,278		52,173		3.47	%	5,261,448		45,245		3.44	%	4,693,069		39,760		3.39	%
Government insured pool buyouts	3,481,562		35,212		4.05	%	3,738,326		36,102		3.86	%	2,015,108		26,681		5.30	%
Residential mortgages	9,501,840		87,385		3.68	%	8,999,774		81,347		3.62	%	6,708,177		66,441		3.96	%
Home equity lines	140,016		1,488		4.22	%	137,993		2,074		5.96	%	153,693		1,758		4.54	%
Other consumer and credit card	4,957		88		6.94	%	4,945		108		8.70	%	5,907		290		19.48	%
Commercial Banking:
Commercial and commercial real estate:
Commercial real estate and other commercial	3,383,031		47,270		5.55	%	3,263,260		46,156		5.62	%	3,306,760		53,884		6.47	%
Mortgage warehouse finance	1,125,568		8,250		2.87	%	1,191,602		8,822		2.90	%	841,076		6,515		3.03	%
Lender finance	733,810		6,426		3.43	%	630,336		5,677		3.52	%	579,934		5,254		3.55	%
Commercial and commercial real estate	5,242,409		61,946		4.68	%	5,085,198		60,655		4.72	%	4,727,770		65,653		5.50	%
Equipment financing receivables	1,877,061		23,139		4.93	%	1,625,813		20,989		5.16	%	1,139,458		17,702		6.21	%
Total loans and leases held for investment	16,766,283		174,046		4.14	%	15,853,723		165,173		4.15	%	12,735,005		151,844		4.75	%
Total interest-earning assets	19,519,130		$	194,395	3.97	%	19,227,576		$	190,656	3.95	%	15,889,341		$	173,531	4.35	%
Noninterest-earning assets	1,401,990						1,206,336						1,448,507
Total assets	$	20,921,120					$	20,433,912					$	17,337,848
Liabilities and Shareholders’ Equity:
Interest-bearing liabilities:
Deposits:
Interest-bearing demand	$	3,380,877	$	5,777	0.68	%	$	2,821,448	$	4,382	0.62	%	$	3,007,788	$	4,648	0.61	%
Market-based money market accounts	391,923		602		0.61	%	403,670		621		0.61	%	415,044		638		0.61	%
Savings and money market accounts, excluding market-based	5,187,257		8,488		0.65	%	5,077,685		8,069		0.63	%	5,146,538		8,196		0.63	%
Market-based time	492,848		901		0.73	%	561,292		1,171		0.83	%	617,852		1,160		0.74	%
Time, excluding market-based	4,373,830		13,340		1.21	%	4,501,948		12,512		1.10	%	2,982,419		9,283		1.23	%
Total deposits	13,826,735		29,108		0.84	%	13,366,043		26,755		0.79	%	12,169,641		23,925		0.78	%
Borrowings:
Trust preferred securities	103,750		1,649		6.31	%	103,750		1,661		6.35	%	103,750		1,648		6.30	%
FHLB advances	3,882,446		16,202		1.63	%	3,808,326		15,904		1.63	%	1,751,401		12,922		2.89	%
Other	23,739		—		0.00	%	24,000		—		0.00	%	6,000		—		0.00	%
Total borrowings	4,009,935		17,851		1.74	%	3,936,076		17,565		1.75	%	1,861,151		14,570		3.07	%
Total interest-bearing liabilities	17,836,670		46,959		1.04	%	17,302,119		44,320		1.01	%	14,030,792		38,495		1.08	%
Noninterest-bearing demand deposits	1,154,254						1,173,181						1,366,135
Other noninterest-bearing liabilities	198,364						259,794						327,873
Total liabilities	19,189,288						18,735,094						15,724,800
Total shareholders’ equity	1,731,832						1,698,818						1,613,048
Total liabilities and shareholders’ equity	$	20,921,120					$	20,433,912					$	17,337,848
Net interest income/spread			$	147,436	2.93	%			$	146,336	2.94	%			$	135,036	3.27	%
Net interest margin					3.00	%					3.02	%					3.37	%
Memo: Total deposits including noninterest-bearing	$	14,980,989	$	29,108	0.77	%	$	14,539,224	$	26,755	0.73	%	$	13,535,776	$	23,925	0.70	%

(1) The average balances are principally daily averages, and, for loans, include both performing and non-performing balances.

(2) Interest income on loans includes the effects of discount accretion and net deferred loan origination costs accounted for as yield adjustments.

(3) All interest income was fully taxable for all periods presented.

EverBank Financial Corp and Subsidiaries
Loans and Leases Held for Investment													Table 6a
(dollars in thousands)	December 31, 2014			September 30, 2014			June 30, 2014			March 31, 2014			December 31, 2013
Consumer Banking:
Residential mortgages:
Residential	$	6,324,965		$	6,006,987		$	5,205,043		$	5,688,053		$	5,153,106
Government insured pool buyouts	3,595,105			3,395,095			3,197,348			1,911,773			1,891,637
Residential mortgages	9,920,070			9,402,082			8,402,391			7,599,826			7,044,743
Home equity lines	156,869			139,589			138,886			147,086			151,916
Other consumer and credit card	5,054			5,894			5,473			5,427			5,154
Total Consumer Banking	10,081,993			9,547,565			8,546,750			7,752,339			7,201,813
Commercial Banking:
Commercial and commercial real estate:
Commercial real estate and other commercial	3,527,586			3,328,979			3,234,423			3,243,654			3,276,130
Mortgage warehouse finance	1,356,651			1,185,591			1,310,611			911,223			944,219
Lender finance	762,453			678,400			625,335			664,143			592,621
Commercial and commercial real estate	5,646,690			5,192,970			5,170,369			4,819,020			4,812,970
Equipment financing receivables	2,031,570			1,839,416			1,577,525			1,292,750			1,237,941
Total Commercial Banking	7,678,260			7,032,386			6,747,894			6,111,770			6,050,911
Loans and leases held for investment, net of unearned income	17,760,253			16,579,951			15,294,644			13,864,109			13,252,724
Allowance for loan and lease losses	(60,846		)	(57,245		)	(56,728		)	(62,969		)	(63,690		)
Total loans and leases held for investment, net	$	17,699,407		$	16,522,706		$	15,237,916		$	13,801,140		$	13,189,034
The balances presented above include:
Net purchased loan and lease discounts	$	47,108		$	54,510		$	53,134		$	79,905		$	102,416
Net deferred loan and lease origination costs	$	94,778		$	84,832		$	69,849		$	64,688		$	54,107
Deposits													Table 6b
(dollars in thousands)	December 31, 2014			September 30, 2014			June 30, 2014			March 31, 2014			December 31, 2013
Noninterest-bearing demand	$	984,703		$	1,084,400		$	1,055,556		$	1,054,796		$	1,076,631
Interest-bearing demand	3,540,027			2,941,171			2,801,811			2,961,831			3,006,401
Market-based money market accounts	374,856			397,617			411,633			413,017			413,137
Savings and money market accounts, excluding market-based	5,136,031			5,159,642			4,864,459			5,023,585			5,110,992
Market-based time	466,514			511,923			577,247			583,740			597,858
Time, excluding market-based	5,006,566			4,378,752			4,163,969			3,251,442			3,056,321
Total deposits	$	15,508,697		$	14,473,505		$	13,874,675		$	13,288,411		$	13,261,340
General and Administrative Expense																		Table 7
	Three Months Ended															Year Ended
(dollars in thousands)	December 31, 2014			September 30, 2014			June 30, 2014			March 31, 2014			December 31, 2013			December 31, 2014		December 31, 2013
Legal and professional fees, excluding consent order expense	$	9,903		$	7,061		$	7,475		$	7,116		$	9,238		$	31,555	$	30,782
Credit-related expenses	4,995			6,356			8,765			7,607			17,168			27,723		49,843
FDIC premium assessment and other agency fees	6,025			6,684			7,199			(443		)	6,089			19,465		34,857
Advertising and marketing expense	5,899			6,175			4,932			4,431			5,984			21,437		29,201
Subservicing expense	3,716			3,673			2,482			—			—			9,871		—
Consent order expense	108			1,634			2,099			756			7,641			4,597		72,339
Other	11,078			11,557			13,879			17,331			13,177			53,845		68,473
Total general and administrative expense	$	41,724		$	43,140		$	46,831		$	36,798		$	59,297		$	168,493	$	285,495

EverBank Financial Corp and Subsidiaries
Non-Performing Assets(1)													Table 8
(dollars in thousands)	December 31, 2014			September 30, 2014			June 30, 2014			March 31, 2014			December 31, 2013
Non-accrual loans and leases:
Consumer Banking:
Residential mortgages	$	24,576		$	23,067		$	22,212		$	47,835		$	59,526
Home equity lines	2,363			2,152			1,903			3,462			3,270
Other consumer and credit card	38			31			20			33			18
Commercial Banking:
Commercial and commercial real estate	41,140			46,819			44,172			23,884			18,569
Equipment financing receivables	8,866			6,803			6,475			5,446			4,527
Total non-accrual loans and leases	76,983			78,872			74,782			80,660			85,910
Accruing loans 90 days or more past due	—			—			—			—			—
Total non-performing loans (NPL)	76,983			78,872			74,782			80,660			85,910
Other real estate owned (OREO)	22,509			24,501			25,530			29,333			29,034
Total non-performing assets (NPA)	99,492			103,373			100,312			109,993			114,944
Troubled debt restructurings (TDR) less than 90 days past due	13,634			16,547			16,687			73,455			76,913
Total NPA and TDR(1)	$	113,126		$	119,920		$	116,999		$	183,448		$	191,857
Total NPA and TDR	$	113,126		$	119,920		$	116,999		$	183,448		$	191,857
Government insured 90 days or more past due still accruing	2,646,415			2,632,744			2,424,166			1,021,276			1,039,541
Loans accounted for under ASC 310-30:
90 days or more past due	8,448			10,519			23,159			9,915			10,083
Total regulatory NPA and TDR	$	2,767,989		$	2,763,183		$	2,564,324		$	1,214,639		$	1,241,481
Adjusted credit quality ratios excluding government insured loans and loans accounted for under ASC 310-30:(1)
NPL to total loans	0.41		%	0.45		%	0.44		%	0.56		%	0.61		%
NPA to total assets	0.46		%	0.50		%	0.51		%	0.62		%	0.65		%
NPA and TDR to total assets	0.52		%	0.58		%	0.59		%	1.04		%	1.09		%
Credit quality ratios including government insured loans and loans accounted for under ASC 310-30:
NPL to total loans	14.63		%	15.65		%	14.89		%	7.72		%	8.12		%
NPA to total assets	12.74		%	13.39		%	12.90		%	6.47		%	6.60		%
NPA and TDR to total assets	12.80		%	13.47		%	12.98		%	6.89		%	7.04		%

(1) We define non-performing assets, or NPA, as non-accrual loans, accruing loans past due 90 days or more and foreclosed property. Our NPA calculation excludes government insured pool buyout loans for which payment is insured by the government. We also exclude loans and foreclosed property accounted for under ASC 310-30 because we expect to fully collect the carrying value of such loans and foreclosed property.

EverBank Financial Corp and Subsidiaries
Allowance for Loan and Lease Losses Activity													Table 9a
	Three Months Ended
(dollars in thousands)	December 31, 2014			September 30, 2014			June 30, 2014			March 31, 2014			December 31, 2013
ALLL, beginning of period	$	57,245		$	56,728		$	62,969		$	63,690		$	66,991
Charge-offs:
Consumer Banking:
Residential mortgages	1,368			2,023			1,810			3,165			4,197
Home equity lines	383			171			163			316			270
Other consumer and credit card	28			28			20			15			4
Commercial Banking:
Commercial and commercial real estate	1,626			568			4,714			5			2,608
Equipment financing receivables	2,122			1,548			938			1,189			1,209
Total charge-offs	5,527			4,338			7,645			4,690			8,288
Recoveries:
Consumer Banking:
Residential mortgages	152			127			251			566			1,398
Home equity lines	48			289			74			141			134
Other consumer and credit card	—			—			—			—			27
Commercial Banking:
Commercial and commercial real estate	2			6			—			1			306
Equipment financing receivables	322			180			196			190			197
Total recoveries	524			602			521			898			2,062
Net charge-offs	5,003			3,736			7,124			3,792			6,226
Provision for loan and lease losses	8,604			6,735			6,123			3,071			7,022
Transfers to loans held for sale	—			(2,482		)	(5,240		)	—			(4,097		)
ALLL, end of period	$	60,846		$	57,245		$	56,728		$	62,969		$	63,690
Net charge-offs to average loans and leases held for investment	0.12		%	0.09		%	0.19		%	0.12		%	0.20		%
Allowance for Loan and Lease Losses Ratios													Table 9b
(dollars in thousands)	December 31, 2014			September 30, 2014			June 30, 2014			March 31, 2014			December 31, 2013
ALLL	$	60,846		$	57,245		$	56,728		$	62,969		$	63,690
Loans and leases held for investment, net of unearned income	17,760,253			16,579,951			15,294,644			13,864,109			13,252,724
ALLL as a percentage of loans and leases held for investment	0.34		%	0.35		%	0.37		%	0.45		%	0.48		%
Government insured pool buyouts as a percentage of loans and leases held for investment	20		%	20		%	21		%	14		%	14		%
Reserves for Repurchase Obligations for Loans Sold or Securitized													Table 9c
	Three Months Ended
(dollars in thousands)	December 31, 2014			September 30, 2014			June 30, 2014			March 31, 2014			December 31, 2013
Loan origination repurchase reserves, beginning of period	$	24,712		$	26,373		$	24,428		$	20,225		$	19,086
Provision for new sales/securitizations	548			627			595			429			635
Provision (release of provision) for changes in estimate of existing reserves	1,500			—			3,400			4,000			1,563
Net realized losses on repurchases	(820		)	(2,288		)	(2,050		)	(226		)	(1,059		)
Loan origination repurchase reserves, end of period	$	25,940		$	24,712		$	26,373		$	24,428		$	20,225
Reserves for Repurchase Obligations for Loans Serviced													Table 9d
	Three Months Ended
(dollars in thousands)	December 31, 2014			September 30, 2014			June 30, 2014			March 31, 2014			December 31, 2013
Loan servicing repurchase reserves, beginning of period	$	4,075		$	5,802		$	10,796		$	23,668		$	22,733
Provision (release of provision) for change in estimate of existing reserves	(757		)	(626		)	(1,303		)	(5,037		)	3,580
Net realized losses on repurchases	(371		)	(1,101		)	(3,691		)	(7,835		)	(2,645		)
Loan servicing repurchase reserves, end of period	$	2,947		$	4,075		$	5,802		$	10,796		$	23,668

EverBank Financial Corp and Subsidiaries
Reconciliation of Non-GAAP Measures
Adjusted Net Income																		Table 10a
	Three Months Ended														Year Ended
(dollars in thousands, except per share data)	Dec 31, 2014			Sep 30, 2014			Jun 30, 2014		Mar 31, 2014			Dec 31, 2013			Dec 31, 2014			Dec 31, 2013
Net income	$	38,021		$	43,519		$	34,782	$	31,760		$	18,451		$	148,082		$	136,740
Transaction expense and non-recurring regulatory related expense, net of tax	2,502			2,201			1,294		465			4,807			6,462			48,477
Increase (decrease) in Bank of Florida non-accretable discount, net of tax	(205		)	198			423		311			(68		)	727			(95		)
MSR impairment (recovery), net of tax	—			(1,904		)	—		(3,063		)	(9,109		)	(4,967		)	(58,870		)
Restructuring cost, net of tax	(164		)	—			—		630			16,090			466			19,332
OTTI losses on investment securities (Volcker Rule), net of tax	—			—			425		—			2,045			425			2,045
Adjusted net income	$	40,154		$	44,014		$	36,924	$	30,103		$	32,216		$	151,195		$	147,629
Adjusted net income allocated to preferred stock	2,531			2,532			2,531		2,531			2,531			10,125			10,125
Adjusted net income allocated to common shareholders	$	37,623		$	41,482		$	34,393	$	27,572		$	29,685		$	141,070		$	137,504
Adjusted net earnings per common share, basic	$	0.31		$	0.34		$	0.28	$	0.22		$	0.24		$	1.15		$	1.12
Adjusted net earnings per common share, diluted	$	0.30		$	0.33		$	0.27	$	0.22		$	0.24		$	1.13		$	1.11
Weighted average common shares outstanding:
(units in thousands)
Basic	123,278			122,950			122,840		122,684			122,595			122,940			122,245
Diluted	125,646			125,473			125,389		125,038			124,420			125,358			123,949
Tangible Equity, Tangible Common Equity and Tangible Assets												Table 10b
(dollars in thousands)	Dec 31, 2014			Sep 30, 2014			Jun 30, 2014		Mar 31, 2014			Dec 31, 2013
Shareholders’ equity	$	1,747,594		$	1,721,023		$	1,679,448	$	1,647,639		$	1,621,013
Less:
Goodwill	46,859			46,859			46,859		46,859			46,859
Intangible assets	3,705			4,232			4,759		5,286			5,813
Tangible equity	1,697,030			1,669,932			1,627,830		1,595,494			1,568,341
Less:
Perpetual preferred stock	150,000			150,000			150,000		150,000			150,000
Tangible common equity	$	1,547,030		$	1,519,932		$	1,477,830	$	1,445,494		$	1,418,341
Total assets	$	21,617,788		$	20,510,342		$	19,753,820	$	17,630,948		$	17,640,984
Less:
Goodwill	46,859			46,859			46,859		46,859			46,859
Intangible assets	3,705			4,232			4,759		5,286			5,813
Tangible assets	$	21,567,224		$	20,459,251		$	19,702,202	$	17,578,803		$	17,588,312

EverBank Financial Corp and Subsidiaries
Reconciliation of Non-GAAP Measures (continued)
Regulatory Capital (bank level)														Table 10c
(dollars in thousands)		Dec 31, 2014			Sep 30, 2014			Jun 30, 2014			Mar 31, 2014			Dec 31, 2013
Shareholders’ equity		$	1,789,398		$	1,769,205		$	1,714,454		$	1,686,414		$	1,662,164
Less:	Goodwill and other intangibles	(49,589		)	(49,957		)	(50,328		)	(50,700		)	(51,072		)
	Disallowed servicing asset	(32,054		)	(23,524		)	(29,028		)	(26,419		)	(20,469		)
	Disallowed deferred tax asset	—			—			(61,737		)	(62,682		)	(63,749		)
Add:	Accumulated losses on securities and cash flow hedges	64,002			49,516			52,121			51,507			50,608
Tier 1 capital		1,771,757			1,745,240			1,625,482			1,598,120			1,577,482
Add:	Allowance for loan and lease losses	60,846			57,245			56,728			62,969			63,690
Total regulatory capital		$	1,832,603		$	1,802,485		$	1,682,210		$	1,661,089		$	1,641,172
Adjusted total assets		$	21,592,849		$	20,480,723		$	19,660,793		$	17,539,708		$	17,554,236
Risk-weighted assets		13,658,685			12,869,352			12,579,476			11,597,320			11,467,411
Regulatory Capital (EFC consolidated)														Table 10d
(dollars in thousands)		Dec 31, 2014			Sep 30, 2014			Jun 30, 2014			Mar 31, 2014			Dec 31, 2013
Shareholders’ equity		$	1,747,594		$	1,721,023		$	1,679,448		$	1,647,639		$	1,621,013
Less:	Preferred stock	(150,000		)	(150,000		)	(150,000		)	(150,000		)	(150,000		)
	Goodwill and other intangibles	(49,589		)	(49,957		)	(50,328		)	(50,700		)	(51,072		)
	Disallowed servicing asset	(32,054		)	(23,524		)	(29,028		)	(26,419		)	(20,469		)
	Disallowed deferred tax asset	—			—			(61,737		)	(62,682		)	(63,749		)
Add:	Accumulated losses on securities and cash flow hedges	65,597			51,108			53,936			53,647			52,615
Common tier 1 capital		$	1,581,548		$	1,548,650		$	1,442,291		$	1,411,485		$	1,388,338
Risk-weighted assets		$	13,665,981		$	12,875,007		$	12,583,537		$	11,600,258		$	11,469,483

EverBank Financial Corp and Subsidiaries
Residential Mortgage Lending and Servicing													Table 11
	Three Months Ended
(dollars in thousands)	Dec 31, 2014			Sep 30, 2014			Jun 30, 2014			Mar 31, 2014			Dec 31, 2013
Key Metrics:
Mortgage lending volume:
Agency	$	971,774		$	1,108,917		$	1,124,684		$	892,358		$	1,188,032
Jumbo	1,183,702			1,187,161			1,108,188			808,138			808,001
Other	22,160			6,004			—			—			—
Mortgage lending volume	$	2,177,636		$	2,302,082		$	2,232,872		$	1,700,496		$	1,996,033
Mortgage loans sold:
Agency	$	878,209		$	1,111,504		$	804,015		$	897,234		$	1,382,970
Jumbo	385,564			691,431			447,408			54,210			30,656
GNMA	379,223			365,547			176,734			255,021			254,641
Other	4,403			4,163			103,556			3,290			9,322
Mortgage loans sold	$	1,647,399		$	2,172,645		$	1,531,713		$	1,209,755		$	1,677,589
Unpaid principal balance of loans serviced for the Company and others	$	50,746,457		$	50,830,585		$	50,790,378		$	60,677,571		$	61,035,320
Average contractual servicing fee	0.29		%	0.29		%	0.29		%	0.29		%	0.29		%
Applications	$	1,335,506		$	1,279,945		$	1,656,807		$	1,534,751		$	2,374,710
Rate locks	1,251,366			1,236,764			1,664,388			1,461,488			1,272,266
Mortgage Lending Volume by Channel:
Retail	$	1,218,614		$	1,259,019		$	1,225,568		$	781,241		$	884,934
Consumer Direct	385,588			454,449			461,115			414,726			639,105
Correspondent	573,433			588,614			546,189			504,529			471,994
Purchase Activity (%):
Retail	62		%	72		%	80		%	70		%	67		%
Consumer Direct	4		%	12		%	13		%	5		%	4		%
Correspondent	51		%	66		%	60		%	44		%	53		%
Total	49		%	59		%	61		%	46		%	43		%