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Financial Highlights

Financial Highlights
2018 FQ1
3/31/2018
2017 FQ1
3/31/2017
Y-Y Ch (%)
2017 FQ4
12/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 10,329,319 11,052,085 (6.54) 10,327,852 0.06
Total Net Loans 6,895,924 6,290,781 9.62 6,677,143 13.11
Total Deposits 7,110,165 8,597,693 (17.30) 7,292,903 (10.02)
Equity Attributable to Parent Company 993,756 985,748 0.81 1,012,308 (7.33)
Total Equity 993,756 985,748 0.81 1,012,308 (7.33)
Profitability (%)
Net Income($000) 8,558 17,201 (50.25) 11,302 (97.12)
Net Income Attributable to Parent($000) 8,558 17,201 (50.25) 11,302 (97.12)
ROAA 0.33 0.61 (28) bp 0.44 (11) bp
Core ROAA 0.14 0.41 (27) bp 0.30 (16) bp
ROAE 3.36 6.87 (351) bp 4.46 (110) bp
ROATCE 2.22 7.41 (519) bp 3.76 (154) bp
Core ROAE 1.41 4.61 (320) bp 2.97 (156) bp
Net Interest Margin 2.94 3.14 (20) bp 3.04 (10) bp
Reported: Net Interest Margin 2.98 3.19 (21) bp 3.01 (3) bp
Efficiency Ratio 78.66 87.28 (862) bp 85.91 (725) bp
Noninterest Inc/ Operating Rev 4.47 12.55 (808) bp 3.95 52 bp
Balance Sheet Ratios (%)
Loans/ Deposits 97.47 71.01 2,646 bp 91.31 616 bp
Securities/ Assets 24.27 30.41 (614) bp 25.67 (140) bp
Total Equity/ Total Assets 9.62 8.92 70 bp 9.80 (18) bp
Tangible Equity/ Tangible Assets 9.22 8.51 71 bp 9.39 (17) bp
Tang Common Equity/ Tang Assets 6.60 6.07 53 bp 6.78 (18) bp
Asset Quality (%)
NPAs/ Assets 0.27 0.22 5 bp 0.26 1 bp
NPA Excl Restructured/ Assets 0.22 0.18 4 bp 0.21 1 bp
NPAs & 90+ PD/ Assets 0.27 0.22 5 bp 0.26 1 bp
NPAs/ Loans & REO 0.40 0.39 1 bp 0.40 0 bp
Nonaccrual & 90+ & OREO/ Assets 0.22 0.18 4 bp 0.21 1 bp
NPAs & 90+ PD/ Loans & REO 0.40 0.39 1 bp 0.40 0 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 3.82 3.45 37 bp 3.60 22 bp
NCOs/ Avg Loans 0.83 0.02 81 bp 0.05 78 bp
Loan Loss Reserves/ Gross Loans 0.79 0.67 12 bp 0.73 6 bp
Reserves/ NPAs 195.37 174.33 2,104 bp 183.91 1,146 bp
Loan Loss Provision/ NCO 138.60 NM NM 638.69 (50,009) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 670,296 678,701 (1.24) 682,539 (7.17)
Tier 1 Capital($000) 939,367 947,772 (0.89) 949,151 (4.12)
Tier 2 Capital($000) 59,056 45,954 28.51 53,049 45.29
Total Capital($000) 998,423 993,726 0.47 1,002,200 (1.51)
Total Risk-weighted Assets($000) 6,838,522 7,245,159 (5.61) 6,881,236 (2.48)
Tier 1 Common Capital (CET1) Ratio(%) 9.80 9.37 43 bp 9.92 (12) bp
Tier 1 Ratio(%) 13.74 13.08 66 bp 13.79 (5) bp
Total Capital Ratio(%) 14.60 13.72 88 bp 14.56 4 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.21 8.51 70 bp 9.39 (18) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,587,843 49,879,160 1.42 50,591,452 (0.03)
Avg Diluted Shares(actual) 50,925,530 50,754,145 0.34 50,943,165 (0.14)
Basic Book Value per Share 14.33 14.37 (0.28) 14.69 (9.80)
As-reported Book Value per Share 14.33 14.37 (0.28) 14.69 (9.80)
Basic Tangible Book Value per Share 13.42 13.38 0.30 13.77 (10.17)
Reported: Tangible Book Value 13.42 13.38 0.30 13.77 (10.17)
Common Dividends Declared per Share 0.13 0.13 0 0.13 0
EPS after Extra 0.06 0.23 (73.91) 0.12 (200)
EPS after Extra Growth(%) (73.90) (36.10) (3,780) bp (77.80) 387 bp
Core EPS (0.03) 0.12 NM 0.04 NM
Core EPS Growth(%) NM 126.50 NM (87.70) NM
Diluted EPS before Amortization 0.08 0.26 (69.23) 0.14 (171.43)
Pre-Provision Earnings per Share 0.12 (0.01) NM 0.02 2,000

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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