Financial Highlights

Financial Highlights
2017 FY
6/30/2017
2016 FY
6/30/2016
2015 FY
6/30/2015
2014 FY
6/30/2014
2013 FY
6/30/2013
Balance Sheet ($000)
Total Assets 8,501,680 7,599,304 5,823,719 4,402,999 3,090,771
Total Net Loans 7,399,900 6,409,080 5,031,939 3,668,212 2,333,909
Total Deposits 6,899,507 6,044,051 4,451,917 3,041,536 2,091,999
Equity Attributable to Parent Company 834,247 683,590 533,526 370,778 268,262
Total Equity 834,247 683,590 533,526 370,778 268,262
Profitability (%)
Net Income($000) 134,740 119,291 82,682 55,956 40,291
Net Income Attributable to Parent($000) 134,740 119,291 82,682 55,956 40,291
ROAA 1.68 1.75 1.61 1.59 1.46
Core ROAA 1.66 1.74 1.63 1.63 1.54
ROAE 17.70 19.32 18.20 17.71 16.59
ROATCE 17.84 19.56 18.45 18.01 17.77
Core ROAE 17.54 19.23 18.45 18.24 17.47
Net Interest Margin 3.95 3.91 3.92 3.95 3.79
Reported: Net Interest Margin 3.95 3.91 3.92 3.95 3.79
Efficiency Ratio 36.27 34.54 33.49 36.96 40.40
Noninterest Inc/ Operating Rev 17.44 20.06 13.99 15.45 23.37
Balance Sheet Ratios (%)
Loans/ Deposits 107.48 105.73 111.34 116.76 108.56
Securities/ Assets 3.95 6.97 7.95 11.66 16.05
Total Equity/ Total Assets 9.81 9 9.16 8.42 8.68
Tangible Equity/ Tangible Assets 9.81 9 9.16 8.42 8.68
Tang Common Equity/ Tang Assets 9.75 8.93 9.07 8.31 8.52
Asset Quality (%)
NPAs/ Assets 0.35 0.43 0.55 0.52 0.77
NPA Excl Restructured/ Assets 0.35 0.42 0.55 0.46 0.66
NPAs & 90+ PD/ Assets 0.35 0.43 0.55 0.52 0.77
NPAs/ Loans & REO 0.40 0.50 0.64 0.62 1.02
Nonaccrual & 90+ & OREO/ Assets 0.35 0.42 0.55 0.46 0.66
NPAs & 90+ PD/ Loans & REO 0.40 0.50 0.64 0.62 1.02
NPA & Loans 90+/ Tangible Common Equity + LLR 3.43 4.52 5.80 5.95 8.61
NCOs/ Avg Loans 0.06 (0.01) 0.03 0.04 0.14
Loan Loss Reserves/ Gross Loans 0.55 0.56 0.56 0.50 0.60
Reserves/ NPAs 136.99 110.84 87.73 80.45 59.37
Loan Loss Provision/ NCO 261.67 NM NM 461.60 251.33
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 828,696 685,830 537,861 NA NA
Tier 1 Capital($000) 833,759 690,893 542,924 NA NA
Tier 2 Capital($000) 91,961 86,941 28,327 NA NA
Total Capital($000) 925,720 777,834 571,251 NA NA
Total Risk-weighted Assets($000) 5,651,522 4,755,242 3,591,432 NA NA
Tier 1 Common Capital (CET1) Ratio(%) 14.66 14.42 14.98 NA NA
Tier 1 Ratio(%) 14.75 14.53 15.12 NA NA
Total Capital Ratio(%) 16.38 16.36 15.91 NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.95 9.12 9.59 NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 63,536,244 63,219,392 62,075,004 57,807,600 54,933,300
Avg Diluted Shares(actual) 64,850,114 64,271,052 61,404,364 57,770,768 55,277,648
Basic Book Value per Share 13.05 10.73 8.51 6.33 4.79
As-reported Book Value per Share 13.05 10.73 8.51 6.33 4.79
Basic Tangible Book Value per Share 13.05 10.73 8.51 6.33 4.79
Reported: Tangible Book Value 12.94 10.67 8.48 6.32 4.79
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 2.07 1.85 1.34 0.96 0.72
EPS after Extra Growth(%) 11.90 37.80 39.50 33.20 24
Core EPS 2.05 1.84 1.36 0.99 0.76
Core EPS Growth(%) 11.40 35.30 37.30 30.30 23
Diluted EPS before Amortization 2.07 1.85 1.34 0.96 0.72
Pre-Provision Earnings per Share 2.42 2.16 1.62 1.14 0.92
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.