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Financial Highlights

Financial Highlights
2018 FQ3
9/30/2018
2017 FQ3
9/30/2017
Y-Y Ch (%)
2018 FQ2
6/30/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 10,260,822 10,280,028 (0.19) 10,319,280 (2.27)
Total Net Loans 7,204,893 6,231,955 15.61 6,993,079 12.12
Total Deposits 7,401,742 7,403,593 (0.03) 7,135,794 14.91
Equity Attributable to Parent Company 946,678 1,013,908 (6.63) 988,688 (17)
Total Equity 946,678 1,013,908 (6.63) 988,688 (17)
Profitability (%)
Net Income($000) 11,096 16,949 (34.53) 14,780 (99.70)
Net Income Attributable to Parent($000) 11,096 16,949 (34.53) 14,780 (99.70)
ROAA 0.44 0.67 (23) bp 0.58 (14) bp
Core ROAA 0.45 0.54 (9) bp 0.68 (23) bp
ROAE 4.43 6.74 (231) bp 5.91 (148) bp
ROATCE 2.40 7.02 (462) bp 5.84 (344) bp
Core ROAE 4.56 5.47 (91) bp 6.97 (241) bp
Net Interest Margin 2.95 3.17 (22) bp 3 (5) bp
Reported: Net Interest Margin 2.93 3.15 (22) bp 3.01 (8) bp
Efficiency Ratio 78.37 85.93 (756) bp 71.73 664 bp
Noninterest Inc/ Operating Rev 6.33 12.52 (619) bp 9.66 (333) bp
Balance Sheet Ratios (%)
Loans/ Deposits 97.99 84.11 1,388 bp 98.60 (61) bp
Securities/ Assets 20.77 27.46 (669) bp 22.99 (222) bp
Total Equity/ Total Assets 9.23 9.86 (63) bp 9.58 (35) bp
Tangible Equity/ Tangible Assets 8.83 9.45 (62) bp 9.19 (36) bp
Tang Common Equity/ Tang Assets 6.57 6.82 (25) bp 6.57 0 bp
Asset Quality (%)
NPAs/ Assets 0.31 0.21 10 bp 0.28 3 bp
NPA Excl Restructured/ Assets 0.25 0.16 9 bp 0.22 3 bp
NPAs & 90+ PD/ Assets 0.31 0.21 10 bp 0.28 3 bp
NPAs/ Loans & REO 0.43 0.34 9 bp 0.41 2 bp
Nonaccrual & 90+ & OREO/ Assets 0.25 0.16 9 bp 0.22 3 bp
NPAs & 90+ PD/ Loans & REO 0.43 0.34 9 bp 0.41 2 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.32 2.91 141 bp 3.92 40 bp
NCOs/ Avg Loans 0.02 0.06 (4) bp 0.04 (2) bp
Loan Loss Reserves/ Gross Loans 0.80 0.72 8 bp 0.80 0 bp
Reserves/ NPAs 183.22 208.43 (2,521) bp 197.84 (1,462) bp
Loan Loss Provision/ NCO 460.78 407.44 5,334 bp 359.49 10,129 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 677,059 690,942 (2.01) 677,664 (0.36)
Tier 1 Capital($000) 908,187 960,013 (5.40) 946,735 (16.29)
Tier 2 Capital($000) 62,030 49,714 24.77 60,709 8.70
Total Capital($000) 970,217 1,009,727 (3.91) 1,007,444 (14.78)
Total Risk-weighted Assets($000) 6,906,873 6,971,427 (0.93) 6,847,526 3.47
Tier 1 Common Capital (CET1) Ratio(%) 9.80 9.91 (11) bp 9.90 (10) bp
Tier 1 Ratio(%) 13.15 13.77 (62) bp 13.83 (68) bp
Total Capital Ratio(%) 14.05 14.48 (43) bp 14.71 (66) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.99 9.55 (56) bp 9.30 (31) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,657,928 50,526,750 0.26 50,546,733 0.88
Avg Diluted Shares(actual) 50,899,464 50,933,358 (0.07) 50,919,091 (0.15)
Basic Book Value per Share 14.13 14.74 (4.14) 14.24 (3.09)
Book Value per Share, As Reported 14.13 14.74 (4.14) 14.24 (3.09)
Basic Tangible Book Value per Share 13.25 13.80 (3.99) 13.35 (3)
Tangible Book Value per Share, As Reported 13.25 13.80 (3.99) 13.35 (3)
Common Dividends Declared per Share 0.13 0.13 0 0.13 0
EPS after Extra 0.07 0.23 (69.57) 0.18 (244.44)
EPS after Extra Growth(%) (69.60) (61) (855) bp 28.60 (9,814) bp
Core EPS 0.08 0.17 (52.94) 0.23 (260.87)
Core EPS Growth(%) (54.20) (57.10) 288 bp 16.20 (7,044) bp
Diluted EPS before Amortization 0.08 0.25 (68) 0.20 (240)
Pre-Provision Earnings per Share 0.09 0.02 350 0.23 (243.48)

   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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