Financial Highlights

Financial Highlights
2017 FQ1 YTD
9/30/2016
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 7,855,043 7,599,304 5,823,719 4,402,999 3,090,771
Total Net Loans 6,601,114 6,409,080 5,031,939 3,668,212 2,333,909
Total Deposits 6,323,812 6,044,051 4,451,917 3,041,536 2,091,999
Equity Attributable to Parent Company 721,859 683,590 533,526 370,778 268,262
Total Equity 721,859 683,590 533,526 370,778 268,262
Profitability (%)
Net Income($000) 28,897 119,291 82,682 55,956 40,291
Net Income Attributable to Parent($000) 28,897 119,291 82,682 55,956 40,291
ROAA 1.53 1.75 1.61 1.59 1.46
Core ROAA 1.50 1.74 1.63 1.63 1.54
ROAE 16.51 19.32 18.20 17.71 16.59
ROATCE 16.52 19.56 18.45 18.01 17.77
Core ROAE 16.19 19.23 18.45 18.24 17.47
Net Interest Margin 3.78 3.91 3.92 3.95 3.79
Reported: Net Interest Margin 3.78 3.91 3.92 3.95 3.79
Efficiency Ratio 39.31 34.54 33.49 36.96 40.40
Noninterest Inc/ Operating Rev 16.57 20.06 13.99 15.45 23.37
Balance Sheet Ratios (%)
Loans/ Deposits 104.17 105.73 111.34 116.76 108.56
Securities/ Assets 6.44 6.97 7.95 11.66 16.05
Total Equity/ Total Assets 9.19 9 9.16 8.42 8.68
Tangible Equity/ Tangible Assets 9.19 9 9.16 8.42 8.68
Tang Common Equity/ Tang Assets 9.13 8.93 9.07 8.31 8.52
Asset Quality (%)
NPAs/ Assets 0.56 0.43 0.55 0.52 0.77
NPA Excl Restructured/ Assets 0.55 0.42 0.55 0.46 0.66
NPAs & 90+ PD/ Assets 0.56 0.43 0.55 0.52 0.77
NPAs/ Loans & REO 0.66 0.50 0.64 0.62 1.02
Nonaccrual & 90+ & OREO/ Assets 0.55 0.42 0.55 0.46 0.66
NPAs & 90+ PD/ Loans & REO 0.66 0.50 0.64 0.62 1.02
NPA & Loans 90+/ Tangible Common Equity + LLR 5.78 4.52 5.80 5.95 8.61
NCOs/ Avg Loans 0.01 (0.01) 0.03 0.04 0.14
Loan Loss Reserves/ Gross Loans 0.57 0.56 0.56 0.50 0.60
Reserves/ NPAs 86.21 110.84 87.73 80.45 59.37
Loan Loss Provision/ NCO NM NM NM 461.60 251.33
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 716,197 685,830 537,861 NA NA
Tier 1 Capital($000) 721,260 690,893 542,924 NA NA
Tier 2 Capital($000) 88,719 86,941 28,327 NA NA
Total Capital($000) 809,979 777,834 571,251 NA NA
Total Risk-weighted Assets($000) 4,962,537 4,755,242 3,591,432 NA NA
Tier 1 Common Capital (CET1) Ratio(%) 14.43 14.42 14.98 NA NA
Tier 1 Ratio(%) 14.53 14.53 15.12 NA NA
Total Capital Ratio(%) 16.32 16.36 15.91 NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.55 9.12 9.59 NA NA
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 63,299,014 63,219,392 62,075,004 57,807,600 54,933,300
Avg Diluted Shares(actual) 64,589,333 64,271,052 61,404,364 57,770,768 55,277,648
Basic Book Value per Share 11.32 10.73 8.51 6.33 4.79
As-reported Book Value per Share 11.32 10.73 8.51 6.33 4.79
Basic Tangible Book Value per Share 11.32 10.73 8.51 6.33 4.79
Reported: Tangible Book Value 11.25 10.67 8.48 6.32 4.79
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.45 1.85 1.34 0.96 0.72
EPS after Extra Growth(%) 12.50 37.80 39.50 33.20 24
Core EPS 0.44 1.84 1.36 0.99 0.76
Core EPS Growth(%) 10 35.30 37.30 30.30 23
Diluted EPS before Amortization 0.45 1.85 1.34 0.96 0.72
Pre-Provision Earnings per Share 0.51 2.16 1.62 1.14 0.92
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