Financial Highlights

Financial Highlights
2018 FQ1 YTD
9/30/2017
2017 FY
6/30/2017
2016 FY
6/30/2016
2015 FY
6/30/2015
2014 FY
6/30/2014
Balance Sheet ($000)
Total Assets 8,581,628 8,501,680 7,599,304 5,823,719 4,402,999
Total Net Loans 7,542,001 7,399,900 6,409,080 5,031,939 3,668,212
Total Deposits 7,178,800 6,899,507 6,044,051 4,451,917 3,041,536
Equity Attributable to Parent Company 866,694 834,247 683,590 533,526 370,778
Total Equity 866,694 834,247 683,590 533,526 370,778
Profitability (%)
Net Income($000) 32,383 134,740 119,291 82,682 55,956
Net Income Attributable to Parent($000) 32,383 134,740 119,291 82,682 55,956
ROAA 1.54 1.68 1.75 1.61 1.59
Core ROAA 1.53 1.66 1.74 1.63 1.63
ROAE 15.19 17.70 19.32 18.20 17.71
ROATCE 15.29 17.84 19.56 18.45 18.01
Core ROAE 15.15 17.54 19.23 18.45 18.24
Net Interest Margin 3.87 3.95 3.91 3.92 3.95
Reported: Net Interest Margin 3.87 3.95 3.91 3.92 3.95
Efficiency Ratio 40.55 36.27 34.54 33.49 36.96
Noninterest Inc/ Operating Rev 14.09 17.44 20.06 13.99 15.45
Balance Sheet Ratios (%)
Loans/ Deposits 105.24 107.48 105.73 111.34 116.76
Securities/ Assets 3.30 3.95 6.97 7.95 11.66
Total Equity/ Total Assets 10.10 9.81 9 9.16 8.42
Tangible Equity/ Tangible Assets 10.10 9.81 9 9.16 8.42
Tang Common Equity/ Tang Assets 10.04 9.75 8.93 9.07 8.31
Asset Quality (%)
NPAs/ Assets 0.39 0.35 0.43 0.55 0.52
NPA Excl Restructured/ Assets 0.39 0.35 0.42 0.55 0.46
NPAs & 90+ PD/ Assets 0.39 0.35 0.43 0.55 0.52
NPAs/ Loans & REO 0.44 0.40 0.50 0.64 0.62
Nonaccrual & 90+ & OREO/ Assets 0.39 0.35 0.42 0.55 0.46
NPAs & 90+ PD/ Loans & REO 0.44 0.40 0.50 0.64 0.62
NPA & Loans 90+/ Tangible Common Equity + LLR 3.71 3.43 4.52 5.80 5.95
NCOs/ Avg Loans (0.01) 0.06 (0.01) 0.03 0.04
Loan Loss Reserves/ Gross Loans 0.56 0.55 0.56 0.56 0.50
Reserves/ NPAs 125.71 136.99 110.84 87.73 80.45
Loan Loss Provision/ NCO NM 261.67 NM NM 461.60
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 862,103 828,696 685,830 537,861 NA
Tier 1 Capital($000) 867,166 833,759 690,893 542,924 NA
Tier 2 Capital($000) 93,228 91,961 86,941 28,327 NA
Total Capital($000) 960,394 925,720 777,834 571,251 NA
Total Risk-weighted Assets($000) 5,709,316 5,651,522 4,755,242 3,591,432 NA
Tier 1 Common Capital (CET1) Ratio(%) 15.10 14.66 14.42 14.98 NA
Tier 1 Ratio(%) 15.19 14.75 14.53 15.12 NA
Total Capital Ratio(%) 16.82 16.38 16.36 15.91 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.29 9.95 9.12 9.59 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 63,655,970 63,536,244 63,219,392 62,075,004 57,807,600
Avg Diluted Shares(actual) 65,045,075 64,850,114 64,271,052 61,404,364 57,770,768
Basic Book Value per Share 13.54 13.05 10.73 8.51 6.33
As-reported Book Value per Share 13.54 13.05 10.73 8.51 6.33
Basic Tangible Book Value per Share 13.54 13.05 10.73 8.51 6.33
Reported: Tangible Book Value 13.41 12.94 10.67 8.48 6.32
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.50 2.07 1.85 1.34 0.96
EPS after Extra Growth(%) 11.10 11.90 37.80 39.50 33.20
Core EPS 0.50 2.05 1.84 1.36 0.99
Core EPS Growth(%) 13 11.40 35.30 37.30 30.30
Diluted EPS before Amortization 0.50 2.07 1.85 1.34 0.96
Pre-Provision Earnings per Share 0.56 2.42 2.16 1.62 1.14
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