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Financial Highlights

Financial Highlights
2017 FQ4
12/31/2017
2017 FQ3
9/30/2017
2017 FQ2
6/30/2017
2017 FQ1
3/31/2017
2016 FQ4
12/31/2016
Balance Sheet ($000)
Total Assets 7,308,539 7,384,339 7,383,386 6,808,977 6,684,018
Total Net Loans 5,373,928 5,344,771 5,336,500 4,868,873 4,836,214
Total Deposits 5,580,705 5,555,057 5,533,135 4,969,729 4,947,408
Equity Attributable to Parent Company 888,127 894,301 879,465 760,995 749,929
Total Equity 888,127 894,301 879,465 760,995 749,929
Profitability (%)
Net Income($000) 3,981 21,283 14,013 15,888 17,914
Net Income Attributable to Parent($000) 3,981 21,283 14,013 15,888 17,914
ROAA 0.22 1.15 0.76 0.95 1.08
Core ROAA 0.20 1.18 1.14 0.97 1.18
ROAE 1.77 9.58 6.43 8.39 9.51
ROATCE 2.87 14.15 9.14 11.64 12.64
Core ROAE 1.62 9.78 9.64 8.58 10.35
Net Interest Margin 3.64 3.64 3.53 3.45 3.45
Reported: Net Interest Margin 3.61 3.61 3.54 3.50 3.44
Efficiency Ratio 59.38 57.97 61.08 60.18 60.67
Noninterest Inc/ Operating Rev 25.47 24.85 24.69 23.90 25.62
Balance Sheet Ratios (%)
Loans/ Deposits 96.89 96.77 97.14 98.76 98.62
Securities/ Assets NA 17.04 17.38 18.65 17.94
Total Equity/ Total Assets 12.15 12.11 11.91 11.18 11.22
Tangible Equity/ Tangible Assets 8.78 8.76 8.54 8.52 8.50
Tang Common Equity/ Tang Assets 8.78 8.76 8.54 8.52 8.50
Asset Quality (%)
NPAs/ Assets 0.62 0.61 0.63 0.84 0.73
NPA Excl Restructured/ Assets 0.46 0.44 0.45 0.63 0.52
NPAs & 90+ PD/ Assets 0.65 0.62 0.65 0.87 0.76
NPAs/ Loans & REO 0.83 0.83 0.86 1.16 1
Nonaccrual & 90+ & OREO/ Assets 0.49 0.45 0.48 0.66 0.56
NPAs & 90+ PD/ Loans & REO 0.87 0.85 0.90 1.20 1.04
NPA & Loans 90+/ Tangible Common Equity + LLR 7.08 6.86 7.36 9.67 8.48
NCOs/ Avg Loans 0.16 0.08 (0.07) 0.39 0.22
Loan Loss Reserves/ Gross Loans 0.89 0.89 0.89 0.99 1.03
Reserves/ NPAs 106.63 107.77 103.69 85.37 102.71
Loan Loss Provision/ NCO 105.73 109.86 NM 68.15 (67.06)
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 623,921 615,821 571,441 563,262
Tier 1 Capital($000) NA 691,841 685,821 641,441 633,262
Tier 2 Capital($000) NA 52,734 52,626 52,571 54,292
Total Capital($000) NA 744,575 738,447 694,012 687,554
Total Risk-weighted Assets($000) NA 6,042,062 6,067,761 5,664,937 5,600,994
Tier 1 Common Capital (CET1) Ratio(%) 10.30 10.33 10.15 10.09 10.06
Tier 1 Ratio(%) 11.50 11.45 11.30 11.32 11.31
Total Capital Ratio(%) 12.30 12.32 12.17 12.25 12.28
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.70 9.73 9.63 9.85 9.83
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 97,456,478 97,475,575 97,483,067 89,113,083 89,007,077
Avg Diluted Shares(actual) 97,507,465 97,457,470 97,232,288 88,987,671 88,887,387
Basic Book Value per Share 9.11 9.17 9.02 8.54 8.43
As-reported Book Value per Share 9.11 9.17 9.02 8.54 8.43
Basic Tangible Book Value per Share 6.34 6.39 6.23 6.32 6.20
Reported: Tangible Book Value 6.34 6.39 6.23 6.32 6.20
Common Dividends Declared per Share 0.08 0.08 0.08 0.08 0.07
EPS after Extra 0.04 0.22 0.14 0.18 0.20
EPS after Extra Growth(%) (80) 15.80 0 28.60 81.80
Core EPS 0.04 0.22 0.21 0.18 0.22
Core EPS Growth(%) (83.20) 17.40 47.30 30.40 58
Diluted EPS before Amortization 0.05 0.23 0.15 0.19 0.20
Pre-Provision Earnings per Share 0.20 0.21 0.18 0.19 0.19
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.