Financial Highlights

Financial Highlights
2017 FQ3 YTD
9/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 26,816,755 23,975,302 22,833,605 20,746,542 19,007,839
Total Net Loans 18,586,399 16,556,797 15,542,569 13,786,766 12,215,706
Total Deposits 21,533,859 19,424,266 18,348,912 16,572,831 15,360,516
Equity Attributable to Parent Company 2,863,275 2,719,768 2,413,143 2,472,402 2,425,069
Total Equity 2,863,275 2,719,768 2,413,143 2,472,402 2,425,069
Profitability (%)
Net Income($000) 160,183 149,296 131,461 175,722 163,356
Net Income Attributable to Parent($000) 160,183 149,296 131,461 175,722 163,356
ROAA 0.82 0.64 0.62 0.90 0.86
Core ROAA 0.96 0.72 0.74 1.08 1.09
ROAE 7.66 6.06 5.38 7.10 6.84
ROATCE 11.27 9.09 8.48 11.11 11.31
Core ROAE 8.93 6.78 6.45 8.48 8.68
Net Interest Margin 3.41 3.23 3.33 3.87 4.20
Reported: Net Interest Margin 3.41 3.23 3.33 3.87 4.20
Efficiency Ratio 59.80 62.71 65.83 61.73 64.32
Noninterest Inc/ Operating Rev 24.90 27.16 27.48 25.83 26.55
Balance Sheet Ratios (%)
Loans/ Deposits 87.24 86.24 85.58 83.84 80.24
Securities/ Assets NA 21.18 19.77 18.69 21.42
Total Equity/ Total Assets 10.68 11.34 10.57 11.92 12.76
Tangible Equity/ Tangible Assets 7.80 8.64 7.62 8.60 9
Tang Common Equity/ Tang Assets 7.80 8.64 7.62 8.60 9
Asset Quality (%)
NPAs/ Assets 1.45 1.57 0.83 0.67 0.82
NPA Excl Restructured/ Assets 1.08 1.40 0.81 0.63 0.78
NPAs & 90+ PD/ Assets 1.55 1.58 0.86 0.69 0.88
NPAs/ Loans & REO 2.06 2.26 1.22 1.01 1.30
Nonaccrual & 90+ & OREO/ Assets 1.19 1.41 0.84 0.65 0.83
NPAs & 90+ PD/ Loans & REO 2.21 2.27 1.27 1.04 1.39
NPA & Loans 90+/ Tangible Common Equity + LLR 18.51 16.91 10.57 7.78 9.42
NCOs/ Avg Loans 0.35 0.37 0.11 0.14 0.22
Loan Loss Reserves/ Gross Loans 1.19 1.37 1.15 0.93 1.08
Reserves/ NPAs 57.56 61.04 95.63 92.69 85.30
Loan Loss Provision/ NCO 92.25 187.38 450.52 197.68 134.66
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 2,184,812 1,844,992 1,777,348 1,685,058
Tier 1 Capital($000) 2,167,917 2,184,812 1,844,992 1,777,348 1,685,058
Tier 2 Capital($000) NA 379,418 350,921 NA NA
Total Capital($000) NA 2,564,230 2,195,913 1,945,710 1,877,832
Total Risk-weighted Assets($000) NA 19,404,265 18,515,904 15,822,448 14,325,757
Tier 1 Common Capital (CET1) Ratio(%) 10.10 11.26 9.96 11.23 11.76
Tier 1 Ratio(%) 10.10 11.26 9.96 11.23 11.76
Total Capital Ratio(%) 11.84 13.21 11.86 12.30 13.11
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.34 9.56 8.55 9.17 9.34
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 84,767,000 84,235,135 77,496,429 80,426,485 82,237,162
Avg Diluted Shares(actual) 84,818,000 77,949,000 78,307,000 82,034,000 83,167,000
Basic Book Value per Share 33.78 32.29 31.14 30.74 29.49
As-reported Book Value per Share 33.78 32.29 31.14 30.74 29.49
Basic Tangible Book Value per Share 23.92 23.87 21.74 21.37 19.94
Reported: Tangible Book Value 23.92 23.87 21.74 21.37 19.94
Common Dividends Declared per Share 0.72 0.96 0.96 0.96 0.96
EPS after Extra 1.85 1.87 1.64 2.10 1.93
EPS after Extra Growth(%) 50.40 14 (21.90) 8.80 10.30
Core EPS 2.16 2.10 1.97 2.52 2.46
Core EPS Growth(%) 50.10 6.40 (21.60) 2.40 3.80
Diluted EPS before Amortization 2.05 2.12 1.95 2.43 2.28
Pre-Provision Earnings per Share 2.12 2.50 2.11 2.35 2.21
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