Financial Highlights

Financial Highlights
2018 FQ2 YTD
12/31/2017
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 8,915,959 8,501,680 7,599,304 5,823,719 4,402,999
Total Net Loans 7,905,997 7,399,900 6,409,080 5,031,939 3,668,212
Total Deposits 7,393,233 6,899,507 6,044,051 4,451,917 3,041,536
Equity Attributable to Parent Company 873,663 834,247 683,590 533,526 370,778
Total Equity 873,663 834,247 683,590 533,526 370,778
Profitability (%)
Net Income($000) 64,041 134,740 119,291 82,682 55,956
Net Income Attributable to Parent($000) 64,041 134,740 119,291 82,682 55,956
ROAA 1.51 1.68 1.75 1.61 1.59
Core ROAA 1.51 1.66 1.74 1.63 1.63
ROAE 14.75 17.70 19.32 18.20 17.71
ROATCE 14.94 17.84 19.56 18.45 18.01
Core ROAE 14.76 17.54 19.23 18.45 18.24
Net Interest Margin 3.94 3.95 3.91 3.92 3.95
Reported: Net Interest Margin 3.94 3.95 3.91 3.92 3.95
Efficiency Ratio 40.37 36.27 34.54 33.49 36.96
Noninterest Inc/ Operating Rev 15.63 17.44 20.06 13.99 15.45
Balance Sheet Ratios (%)
Loans/ Deposits 107.13 107.48 105.73 111.34 116.76
Securities/ Assets 2.86 3.95 6.97 7.95 11.66
Total Equity/ Total Assets 9.80 9.81 9 9.16 8.42
Tangible Equity/ Tangible Assets 9.80 9.81 9 9.16 8.42
Tang Common Equity/ Tang Assets 9.74 9.75 8.93 9.07 8.31
Asset Quality (%)
NPAs/ Assets 0.44 0.35 0.43 0.55 0.52
NPA Excl Restructured/ Assets 0.44 0.35 0.42 0.55 0.46
NPAs & 90+ PD/ Assets 0.44 0.35 0.43 0.55 0.52
NPAs/ Loans & REO 0.49 0.40 0.50 0.64 0.62
Nonaccrual & 90+ & OREO/ Assets 0.44 0.35 0.42 0.55 0.46
NPAs & 90+ PD/ Loans & REO 0.49 0.40 0.50 0.64 0.62
NPA & Loans 90+/ Tangible Common Equity + LLR 4.24 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 0.57 0.55 0.56 0.56 0.50
Reserves/ NPAs 117.55 136.99 110.84 87.73 80.45
Loan Loss Provision/ NCO NM 261.67 NM NM 461.60
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 868,233 828,696 685,830 537,861 NA
Tier 1 Capital($000) 873,296 833,759 690,893 542,924 NA
Tier 2 Capital($000) 96,735 91,961 86,941 28,327 NA
Total Capital($000) 970,031 925,720 777,834 571,251 NA
Total Risk-weighted Assets($000) 6,032,170 5,651,522 4,755,242 3,591,432 NA
Tier 1 Common Capital (CET1) Ratio(%) 14.39 14.66 14.42 14.98 NA
Tier 1 Ratio(%) 14.48 14.75 14.53 15.12 NA
Total Capital Ratio(%) 16.08 16.38 16.36 15.91 NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.26 9.95 9.12 9.59 NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 62,720,641 63,536,244 63,219,392 62,075,004 57,807,600
Avg Diluted Shares(actual) 65,014,704 64,850,114 64,271,052 61,404,364 57,770,768
Basic Book Value per Share 13.85 13.05 10.73 8.51 6.33
As-reported Book Value per Share 13.85 13.05 10.73 8.51 6.33
Basic Tangible Book Value per Share 13.85 13.05 10.73 8.51 6.33
Reported: Tangible Book Value 13.70 12.94 10.67 8.48 6.32
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.98 2.07 1.85 1.34 0.96
EPS after Extra Growth(%) 4.30 11.90 37.80 39.50 33.20
Core EPS 0.98 2.05 1.84 1.36 0.99
Core EPS Growth(%) 5.60 11.40 35.30 37.30 30.30
Diluted EPS before Amortization 0.98 2.07 1.85 1.34 0.96
Pre-Provision Earnings per Share 1.16 2.42 2.16 1.62 1.14
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