In 1Q15, revenue grew 55.6% YoY, driven by 39.2% growth in net interest income and 108.3% growth in non-interest income. Mortgage banking revenue grew 220.7% YoY. Net income grew 244%, while EPS diluted grew 254%. Efficiency ratio, now at 63.1%, has improved a combined 2,220 bps in the past four quarters (2Q14-1Q15). ROAE has improved to 8.55% in the quarter. The company might deliver two more quarters of triple-digit growth or near-triple-digit EPS growth.