Financial Highlights

Financial Highlights
2017 FQ1
3/31/2017
2016 FQ1
3/31/2016
Y-Y Ch (%)
2016 FQ4
12/31/2016
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 11,052,085 9,616,972 14.92 11,029,853 0.81
Total Net Loans 6,290,781 5,860,761 7.34 6,292,326 (0.10)
Total Deposits 8,597,693 6,837,601 25.74 9,142,150 (23.82)
Equity Attributable to Parent Company 985,748 867,530 13.63 980,239 2.25
Total Equity 985,748 867,530 13.63 980,239 2.25
Profitability (%)
Net Income($000) 17,201 19,687 (12.63) 33,264 (193.16)
Net Income Attributable to Parent($000) 17,201 19,687 (12.63) 33,264 (193.16)
ROAA 0.61 0.89 (28) bp 1.15 (54) bp
Core ROAA NA NA NA NA NA
ROAE 6.87 10.32 (345) bp 13.36 (649) bp
ROATCE 7.41 13.86 (645) bp 16.83 (942) bp
Core ROAE NA NA NA NA NA
Net Interest Margin 3.02 3.22 (20) bp 3 2 bp
Reported: Net Interest Margin 3.19 3.39 (20) bp 3.13 6 bp
Efficiency Ratio 80.95 80.76 19 bp 68.08 1,287 bp
Noninterest Inc/ Operating Rev 12.11 4.98 713 bp 27.10 (1,499) bp
Balance Sheet Ratios (%)
Loans/ Deposits 71.01 79.90 (889) bp 66.01 500 bp
Securities/ Assets 30.41 27.94 247 bp 30.22 19 bp
Total Equity/ Total Assets 8.92 9.02 (10) bp 8.89 3 bp
Tangible Equity/ Tangible Assets 8.51 8.50 1 bp 8.47 4 bp
Tang Common Equity/ Tang Assets 6.07 5.25 82 bp 6.02 5 bp
Asset Quality (%)
NPAs/ Assets 0.22 0.62 (40) bp 0.21 1 bp
NPA Excl Restructured/ Assets 0.18 0.46 (28) bp 0.16 2 bp
NPAs & 90+ PD/ Assets 0.22 0.62 (40) bp 0.21 1 bp
NPAs/ Loans & REO 0.39 1.01 (62) bp 0.36 3 bp
Nonaccrual & 90+ & OREO/ Assets 0.18 0.46 (28) bp 0.16 2 bp
NPAs & 90+ PD/ Loans & REO 0.39 1.01 (62) bp 0.36 3 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 3.45 11.10 (765) bp 3.23 22 bp
NCOs/ Avg Loans 0.02 0 2 bp 0.02 0 bp
Loan Loss Reserves/ Gross Loans 0.67 0.61 6 bp 0.64 3 bp
Reserves/ NPAs 174.33 60.07 11,426 bp 178.44 (411) bp
Loan Loss Provision/ NCO NM NM NM 155.82 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 678,701 503,561 34.78 672,358 3.77
Tier 1 Capital($000) 947,772 814,569 16.35 941,429 2.70
Tier 2 Capital($000) 45,954 25,879 77.57 34,489 132.97
Total Capital($000) 993,726 840,448 18.24 975,918 7.30
Total Risk-weighted Assets($000) 7,245,159 6,185,731 7,245,159 7,123,205 7,245,159
Tier 1 Common Capital (CET1) Ratio(%) 9.37 8.14 123 bp 9.44 (7) bp
Tier 1 Ratio(%) 13.08 13.17 (9) bp 13.22 (14) bp
Total Capital Ratio(%) 13.72 13.59 13 bp 13.70 2 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.51 9.27 (76) bp 8.17 34 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 49,879,160 43,998,653 13.37 49,897,221 (0.14)
Avg Diluted Shares(actual) 50,754,145 40,751,616 24.55 50,604,907 1.18
Basic Book Value per Share 14.37 12.65 13.60 14.25 3.37
As-reported Book Value per Share 14.37 12.65 13.60 14.20 4.79
Basic Tangible Book Value per Share 13.38 11.40 17.37 13.24 4.23
Reported: Tangible Book Value 13.38 11.35 17.89 13.14 7.31
Common Dividends Declared per Share 0.13 0.12 8.33 0.13 0
EPS after Extra 0.23 0.36 (36.11) 0.54 (229.63)
EPS after Extra Growth(%) (36.10) 24.10 (6,025) bp 38.50 (7,457) bp
Core EPS NA NA NA NA NA
Core EPS Growth(%) NA NA NA NA NA
Diluted EPS before Amortization 0.26 0.39 (33.33) 0.57 (217.54)
Pre-Provision Earnings per Share 0.10 0.07 42.86 0.32 (275)

   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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