Financial Highlights

Financial Highlights
2016 FY
6/30/2016
2015 FY
6/30/2015
2014 FY
6/30/2014
2013 FY
6/30/2013
2012 FY
6/30/2012
Balance Sheet ($000)
Total Assets 7,601,354 5,823,719 4,402,999 3,090,771 2,386,845
Total Net Loans 6,409,080 5,031,939 3,668,212 2,333,909 1,799,744
Total Deposits 6,044,051 4,451,917 3,041,536 2,091,999 1,615,088
Equity Attributable to Parent Company 683,590 533,526 370,778 268,262 206,620
Total Equity 683,590 533,526 370,778 268,262 206,620
Profitability (%)
Net Income($000) 119,291 82,682 55,956 40,291 29,476
Net Income Attributable to Parent($000) 119,291 82,682 55,956 40,291 29,476
ROAA 1.75 1.61 1.59 1.46 1.35
Core ROAA 1.74 1.63 1.63 1.54 1.43
ROAE 19.32 18.20 17.71 16.59 15.84
ROATCE 19.56 18.45 18.01 17.77 17.09
Core ROAE 19.23 18.45 18.24 17.47 16.81
Net Interest Margin 3.91 3.92 3.95 3.79 3.70
Reported: Net Interest Margin 3.91 3.92 3.95 3.79 3.70
Efficiency Ratio 34.54 33.49 36.96 40.40 36.68
Noninterest Inc/ Operating Rev 20.06 13.99 15.45 23.37 19.49
Balance Sheet Ratios (%)
Loans/ Deposits 105.73 111.34 116.76 108.56 107.13
Securities/ Assets 6.96 7.95 11.66 16.05 21.10
Total Equity/ Total Assets 8.99 9.16 8.42 8.68 8.66
Tangible Equity/ Tangible Assets 8.99 9.16 8.42 8.68 8.66
Tang Common Equity/ Tang Assets 8.93 9.07 8.31 8.52 7.63
Asset Quality (%)
NPAs/ Assets 0.43 0.55 0.52 0.77 1.09
NPA Excl Restructured/ Assets 0.42 0.55 0.46 0.66 0.77
NPAs & 90+ PD/ Assets 0.43 0.55 0.52 0.77 1.09
NPAs/ Loans & REO 0.50 0.64 0.62 1.02 1.44
Nonaccrual & 90+ & OREO/ Assets 0.42 0.55 0.46 0.66 0.77
NPAs & 90+ PD/ Loans & REO 0.50 0.64 0.62 1.02 1.44
NPA & Loans 90+/ Tangible Common Equity + LLR 4.52 5.80 5.95 8.61 13.57
NCOs/ Avg Loans (0.01) 0.03 0.04 0.14 0.36
Loan Loss Reserves/ Gross Loans 0.56 0.56 0.50 0.60 0.53
Reserves/ NPAs 110.84 87.73 80.45 59.37 37.02
Loan Loss Provision/ NCO NM NM 461.60 251.33 137.92
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 685,830 537,861 NA NA NA
Tier 1 Capital($000) 690,893 542,924 NA NA NA
Tier 2 Capital($000) 86,941 28,327 NA NA NA
Total Capital($000) 777,834 571,251 NA NA NA
Total Risk-weighted Assets($000) 4,755,242 3,591,432 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) 14.42 14.98 NA NA NA
Tier 1 Ratio(%) 14.53 15.12 NA NA NA
Total Capital Ratio(%) 16.36 15.91 NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.12 9.59 NA NA NA
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 63,219,392 62,075,004 57,807,600 54,933,300 46,050,144
Avg Diluted Shares(actual) 64,271,052 61,404,364 57,770,768 55,277,648 49,954,220
Basic Book Value per Share 10.73 8.51 6.33 4.79 3.95
As-reported Book Value per Share 10.73 8.51 6.33 4.79 3.96
Basic Tangible Book Value per Share 10.73 8.51 6.33 4.79 3.95
Reported: Tangible Book Value 10.67 8.48 6.32 4.79 3.96
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 1.85 1.34 0.96 0.72 0.58
EPS after Extra Growth(%) 37.80 39.50 33.20 24 24.60
Core EPS 1.84 1.36 0.99 0.76 0.62
Core EPS Growth(%) 35.30 37.30 30.30 23 36.20
Diluted EPS before Amortization 1.85 1.34 0.96 0.72 0.58
Pre-Provision Earnings per Share 2.16 1.62 1.14 0.92 0.78
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.