Financial Highlights

Financial Highlights
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
2012 FY
12/31/2012
Balance Sheet ($000)
Total Assets 23,975,302 22,833,605 20,747,266 19,009,251 19,464,485
Total Net Loans 16,556,797 15,542,569 13,786,766 12,215,706 11,492,236
Total Deposits 19,424,266 18,348,912 16,572,831 15,360,516 15,744,188
Equity Attributable to Parent Company 2,719,768 2,413,143 2,472,402 2,425,069 2,453,278
Total Equity 2,719,768 2,413,143 2,472,402 2,425,069 2,453,278
Profitability (%)
Net Income($000) 149,296 131,461 175,722 163,356 151,742
Net Income Attributable to Parent($000) 149,296 131,461 175,722 163,356 151,742
ROAA 0.64 0.62 0.90 0.86 0.80
Core ROAA 0.72 0.74 1.08 1.09 1.08
ROAE 6.06 5.38 7.10 6.84 6.32
ROATCE 9.09 8.48 11.11 11.31 10.94
Core ROAE 6.75 6.45 8.48 8.68 8.53
Net Interest Margin 3.23 3.33 3.87 4.20 4.48
Reported: Net Interest Margin 3.23 3.33 3.87 4.20 4.48
Efficiency Ratio 62.84 65.83 61.73 64.32 63.37
Noninterest Inc/ Operating Rev 27.16 27.48 25.83 26.55 26.19
Balance Sheet Ratios (%)
Loans/ Deposits 86.24 85.58 83.84 80.24 73.54
Securities/ Assets NA 19.77 18.69 21.42 19.27
Total Equity/ Total Assets 11.34 10.57 11.92 12.76 12.60
Tangible Equity/ Tangible Assets 8.64 7.62 8.59 9 8.77
Tang Common Equity/ Tang Assets 8.64 7.62 8.59 9 8.77
Asset Quality (%)
NPAs/ Assets NA 0.83 0.67 0.82 1.16
NPA Excl Restructured/ Assets NA 0.81 0.63 0.78 1.08
NPAs & 90+ PD/ Assets NA 0.86 0.69 0.88 1.23
NPAs/ Loans & REO NA 1.22 1.01 1.30 2.02
Nonaccrual & 90+ & OREO/ Assets NA 0.84 0.65 0.83 1.14
NPAs & 90+ PD/ Loans & REO NA 1.27 1.04 1.39 2.14
NPA & Loans 90+/ Tangible Common Equity + LLR NA 10.57 7.78 9.42 13.49
NCOs/ Avg Loans 0.37 0.11 0.14 0.22 0.51
Loan Loss Reserves/ Gross Loans 1.37 1.15 0.93 1.08 1.17
Reserves/ NPAs NA 95.63 92.69 85.30 60.33
Loan Loss Provision/ NCO 187.38 450.52 197.68 134.66 98.48
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,185,812 1,844,992 1,777,348 1,685,058 NA
Tier 1 Capital($000) 2,185,812 1,844,992 1,777,348 1,685,058 1,668,809
Tier 2 Capital($000) NA 350,921 NA NA NA
Total Capital($000) NA 2,195,913 1,945,710 1,877,832 1,881,558
Total Risk-weighted Assets($000) NA 18,515,904 15,822,448 14,325,757 13,172,259
Tier 1 Common Capital (CET1) Ratio(%) NA 9.96 11.23 11.76 NA
Tier 1 Ratio(%) 11.28 9.96 11.23 11.76 12.64
Total Capital Ratio(%) 13.24 11.86 12.30 13.11 14.33
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.56 8.55 9.17 9.34 9.11
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 84,235,000 77,496,429 80,426,485 82,237,162 84,847,796
Avg Diluted Shares(actual) 77,949,000 78,307,000 82,034,000 83,167,000 85,588,000
Basic Book Value per Share 32.29 31.14 30.74 29.49 28.91
As-reported Book Value per Share 32.29 31.14 30.74 29.49 28.91
Basic Tangible Book Value per Share 23.87 21.74 21.37 19.94 19.27
Reported: Tangible Book Value 23.87 21.74 21.37 19.94 19.27
Common Dividends Declared per Share 0.96 0.96 0.96 0.96 0.96
EPS after Extra 1.87 1.64 2.10 1.93 1.75
EPS after Extra Growth(%) 14 (21.90) 8.80 10.30 52.20
Core EPS 2.09 1.97 2.52 2.46 2.37
Core EPS Growth(%) 5.90 (21.60) 2.40 3.80 9.20
Diluted EPS before Amortization 2.12 1.95 2.43 2.28 2.12
Pre-Provision Earnings per Share 2.49 2.11 2.35 2.21 2.26
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