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Financial Highlights

Financial Highlights
2017 FQ4
12/31/2017
2016 FQ4
12/31/2016
Y-Y Ch (%)
2017 FQ3
9/30/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 10,327,852 11,029,853 (6.36) 10,280,028 1.86
Total Net Loans 6,677,143 6,292,326 6.12 6,231,955 28.57
Total Deposits 7,292,903 9,142,150 (20.23) 7,403,593 (5.98)
Equity Attributable to Parent Company 1,012,308 980,239 3.27 1,013,908 (0.63)
Total Equity 1,012,308 980,239 3.27 1,013,908 (0.63)
Profitability (%)
Net Income($000) 11,302 33,264 (66.02) 16,949 (133.27)
Net Income Attributable to Parent($000) 11,302 33,264 (66.02) 16,949 (133.27)
ROAA 0.44 1.15 (71) bp 0.67 (23) bp
Core ROAA 0.38 0.84 (46) bp 0.54 (16) bp
ROAE 4.46 13.36 (890) bp 6.74 (228) bp
ROATCE 3.87 16.83 (1,296) bp 7.02 (315) bp
Core ROAE 3.80 9.78 (598) bp 5.47 (167) bp
Net Interest Margin 3.04 3.14 (10) bp 3.17 (13) bp
Reported: Net Interest Margin 3.01 3.13 (12) bp 3.15 (14) bp
Efficiency Ratio 85.98 77.47 851 bp 85.93 5 bp
Noninterest Inc/ Operating Rev 3.95 26.93 (2,298) bp 12.52 (857) bp
Balance Sheet Ratios (%)
Loans/ Deposits 91.31 66.01 2,530 bp 84.11 720 bp
Securities/ Assets 25.67 30.22 (455) bp 27.46 (179) bp
Total Equity/ Total Assets 9.80 8.89 91 bp 9.86 (6) bp
Tangible Equity/ Tangible Assets 9.39 8.47 92 bp 9.45 (6) bp
Tang Common Equity/ Tang Assets 6.78 6.02 76 bp 6.82 (4) bp
Asset Quality (%)
NPAs/ Assets 0.26 0.21 5 bp 0.21 5 bp
NPA Excl Restructured/ Assets 0.21 0.16 5 bp 0.16 5 bp
NPAs & 90+ PD/ Assets 0.26 0.21 5 bp 0.21 5 bp
NPAs/ Loans & REO 0.40 0.36 4 bp 0.34 6 bp
Nonaccrual & 90+ & OREO/ Assets 0.21 0.16 5 bp 0.16 5 bp
NPAs & 90+ PD/ Loans & REO 0.40 0.36 4 bp 0.34 6 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 3.60 3.23 37 bp 2.91 69 bp
NCOs/ Avg Loans 0.05 0.02 3 bp 0.06 (1) bp
Loan Loss Reserves/ Gross Loans 0.73 0.64 9 bp 0.72 1 bp
Reserves/ NPAs 183.91 178.44 547 bp 208.43 (2,452) bp
Loan Loss Provision/ NCO 638.69 155.82 48,287 bp 407.44 23,125 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 672,358 NA 690,942 NA
Tier 1 Capital($000) NA 941,429 NA 960,013 NA
Tier 2 Capital($000) NA 34,489 NA 49,714 NA
Total Capital($000) NA 975,918 NA 1,009,727 NA
Total Risk-weighted Assets($000) NA 7,123,205 NA 6,971,427 NA
Tier 1 Common Capital (CET1) Ratio(%) 9.92 9.44 48 bp 9.91 1 bp
Tier 1 Ratio(%) 13.79 13.22 57 bp 13.77 2 bp
Total Capital Ratio(%) 14.56 13.70 86 bp 14.48 8 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.39 8.17 122 bp 9.55 (16) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,591,452 49,897,221 1.39 50,526,750 0.51
Avg Diluted Shares(actual) 50,943,165 50,702,110 0.48 50,933,358 0.08
Basic Book Value per Share 14.69 14.25 3.09 14.74 (1.36)
As-reported Book Value per Share 14.69 14.20 3.45 14.74 (1.36)
Basic Tangible Book Value per Share 13.77 13.24 4 13.80 (0.87)
Reported: Tangible Book Value 13.77 13.14 4.79 13.80 (0.87)
Common Dividends Declared per Share 0.13 0.13 0 0.13 0
EPS after Extra 0.12 0.54 (77.78) 0.23 (191.30)
EPS after Extra Growth(%) (77.80) 38.50 (11,624) bp (61) (1,676) bp
Core EPS 0.09 0.36 (75) 0.17 (188.24)
Core EPS Growth(%) (75.90) (6.10) (6,978) bp (57.10) (1,877) bp
Diluted EPS before Amortization 0.14 0.57 (75.44) 0.25 (176)
Pre-Provision Earnings per Share 0.02 0.15 (86.67) 0.02 0

   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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