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Financial Highlights

Financial Highlights
2017 FQ2
6/30/2017
2016 FQ2
6/30/2016
Y-Y Ch (%)
2017 FQ1
3/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 10,365,768 10,157,662 2.05 11,052,085 (24.84)
Total Net Loans 6,192,776 6,675,560 (7.23) 6,290,781 (6.23)
Total Deposits 8,044,911 7,928,956 1.46 8,597,693 (25.72)
Equity Attributable to Parent Company 1,006,292 939,884 7.07 985,748 8.34
Total Equity 1,006,292 939,884 7.07 985,748 8.34
Profitability (%)
Net Income($000) 12,257 26,528 (53.80) 17,201 (114.97)
Net Income Attributable to Parent($000) 12,257 26,528 (53.80) 17,201 (114.97)
ROAA 0.46 1.05 (59) bp 0.61 (15) bp
Core ROAA 0.80 0.39 41 bp 0.61 19 bp
ROAE 4.83 11.81 (698) bp 6.87 (204) bp
ROATCE 4.37 15.04 (1,067) bp 7.41 (304) bp
Core ROAE 8.48 4.40 408 bp 6.87 161 bp
Net Interest Margin 3.08 3.37 (29) bp 3.14 (6) bp
Reported: Net Interest Margin 3.09 3.39 (30) bp 3.19 (10) bp
Efficiency Ratio 78.95 72.90 605 bp 78.17 78 bp
Noninterest Inc/ Operating Rev 5.75 7.63 (188) bp 12.55 (680) bp
Balance Sheet Ratios (%)
Loans/ Deposits 74.04 78.65 (461) bp 71.01 303 bp
Securities/ Assets 28.73 23.10 563 bp 30.41 (168) bp
Total Equity/ Total Assets 9.71 9.25 46 bp 8.92 79 bp
Tangible Equity/ Tangible Assets 9.29 8.77 52 bp 8.51 78 bp
Tang Common Equity/ Tang Assets 6.68 6.11 57 bp 6.07 61 bp
Asset Quality (%)
NPAs/ Assets 0.16 0.59 (43) bp 0.22 (6) bp
NPA Excl Restructured/ Assets 0.12 0.45 (33) bp 0.18 (6) bp
NPAs & 90+ PD/ Assets 0.16 0.59 (43) bp 0.22 (6) bp
NPAs/ Loans & REO 0.27 0.90 (63) bp 0.39 (12) bp
Nonaccrual & 90+ & OREO/ Assets 0.12 0.45 (33) bp 0.18 (6) bp
NPAs & 90+ PD/ Loans & REO 0.27 0.90 (63) bp 0.39 (12) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 2.31 9.21 (690) bp 3.45 (114) bp
NCOs/ Avg Loans 0.17 0.01 16 bp 0.02 15 bp
Loan Loss Reserves/ Gross Loans 0.68 0.56 12 bp 0.67 1 bp
Reserves/ NPAs 250.65 62.18 18,847 bp 174.33 7,632 bp
Loan Loss Provision/ NCO 87.70 NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 681,474 618,593 10.17 678,701 1.63
Tier 1 Capital($000) 950,545 887,664 7.08 947,772 1.17
Tier 2 Capital($000) 46,399 20,826 122.79 45,954 3.87
Total Capital($000) 996,944 908,490 9.74 993,726 1.30
Total Risk-weighted Assets($000) 6,930,059 6,754,895 6,930,059 7,245,159 6,930,059
Tier 1 Common Capital (CET1) Ratio(%) 9.83 9.16 67 bp 9.37 46 bp
Tier 1 Ratio(%) 13.72 13.14 58 bp 13.08 64 bp
Total Capital Ratio(%) 14.39 13.45 94 bp 13.72 67 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.93 8.87 6 bp 8.51 42 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,346,568 49,640,189 1.42 49,879,160 3.75
Avg Diluted Shares(actual) 50,942,324 48,554,434 4.92 50,754,145 1.48
Basic Book Value per Share 14.64 13.51 8.36 14.37 7.52
As-reported Book Value per Share 14.64 13.51 8.36 14.37 7.52
Basic Tangible Book Value per Share 13.68 12.43 10.06 13.38 8.97
Reported: Tangible Book Value 13.68 12.39 10.41 13.38 8.97
Common Dividends Declared per Share 0.13 0.12 8.33 0.13 0
EPS after Extra 0.14 0.43 (67.44) 0.23 (156.52)
EPS after Extra Growth(%) (67.40) 34.40 (10,182) bp (36.10) (3,133) bp
Core EPS 0.33 0.08 312.50 0.23 173.91
Core EPS Growth(%) 284.60 (62.10) 34,671 bp 336.70 (5,205) bp
Diluted EPS before Amortization 0.16 0.46 (65.22) 0.26 (153.85)
Pre-Provision Earnings per Share 0.07 0.13 (46.15) 0.10 (120)

   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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