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Financial Highlights

Financial Highlights
2018 FQ2
6/30/2018
2017 FQ2
6/30/2017
Y-Y Ch (%)
2018 FQ1
3/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 10,319,280 10,365,768 (0.45) 10,329,319 (0.39)
Total Net Loans 6,993,079 6,192,776 12.92 6,895,924 5.64
Total Deposits 7,135,794 8,044,911 (11.30) 7,110,165 1.44
Equity Attributable to Parent Company 988,688 1,006,292 (1.75) 993,756 (2.04)
Total Equity 988,688 1,006,292 (1.75) 993,756 (2.04)
Profitability (%)
Net Income($000) 14,780 12,257 20.58 8,558 290.82
Net Income Attributable to Parent($000) 14,780 12,257 20.58 8,558 290.82
ROAA 0.58 0.46 12 bp 0.33 25 bp
Core ROAA 0.68 0.57 11 bp 0.14 54 bp
ROAE 5.91 4.83 108 bp 3.36 255 bp
ROATCE 5.84 4.37 147 bp 2.22 362 bp
Core ROAE 6.97 5.98 99 bp 1.41 556 bp
Net Interest Margin 3 3.08 (8) bp 2.94 6 bp
Reported: Net Interest Margin 3.01 3.09 (8) bp 2.98 3 bp
Efficiency Ratio 71.73 90.73 (1,900) bp 78.66 (693) bp
Noninterest Inc/ Operating Rev 9.66 5.75 391 bp 4.47 519 bp
Balance Sheet Ratios (%)
Loans/ Deposits 98.60 74.04 2,456 bp 97.47 113 bp
Securities/ Assets 22.99 28.73 (574) bp 24.27 (128) bp
Total Equity/ Total Assets 9.58 9.71 (13) bp 9.62 (4) bp
Tangible Equity/ Tangible Assets 9.19 9.29 (10) bp 9.22 (3) bp
Tang Common Equity/ Tang Assets 6.57 6.68 (11) bp 6.60 (3) bp
Asset Quality (%)
NPAs/ Assets 0.28 0.16 12 bp 0.27 1 bp
NPA Excl Restructured/ Assets 0.22 0.12 10 bp 0.22 0 bp
NPAs & 90+ PD/ Assets 0.28 0.16 12 bp 0.27 1 bp
NPAs/ Loans & REO 0.41 0.27 14 bp 0.40 1 bp
Nonaccrual & 90+ & OREO/ Assets 0.22 0.12 10 bp 0.22 0 bp
NPAs & 90+ PD/ Loans & REO 0.41 0.27 14 bp 0.40 1 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 3.92 2.31 161 bp 3.82 10 bp
NCOs/ Avg Loans 0.04 0.17 (13) bp 0.83 (79) bp
Loan Loss Reserves/ Gross Loans 0.80 0.68 12 bp 0.79 1 bp
Reserves/ NPAs 197.84 250.65 (5,281) bp 195.37 247 bp
Loan Loss Provision/ NCO 359.49 87.70 27,179 bp 138.60 22,089 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 677,664 681,474 (0.56) 670,296 4.40
Tier 1 Capital($000) 946,735 950,545 (0.40) 939,367 3.14
Tier 2 Capital($000) 60,709 46,399 30.84 59,056 11.20
Total Capital($000) 1,007,444 996,944 1.05 998,423 3.61
Total Risk-weighted Assets($000) 6,847,526 6,930,059 (1.19) 6,838,522 0.53
Tier 1 Common Capital (CET1) Ratio(%) 9.90 9.83 7 bp 9.80 10 bp
Tier 1 Ratio(%) 13.83 13.72 11 bp 13.74 9 bp
Total Capital Ratio(%) 14.71 14.39 32 bp 14.60 11 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.30 8.93 37 bp 9.21 9 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,546,733 50,346,568 0.40 50,587,843 (0.33)
Avg Diluted Shares(actual) 50,919,091 50,942,324 (0.05) 50,925,530 (0.05)
Basic Book Value per Share 14.24 14.64 (2.73) 14.33 (2.51)
As-reported Book Value per Share 14.24 14.64 (2.73) 14.33 (2.51)
Basic Tangible Book Value per Share 13.35 13.68 (2.41) 13.42 (2.09)
Reported: Tangible Book Value 13.35 13.68 (2.41) 13.42 (2.09)
Common Dividends Declared per Share 0.13 0.13 0 0.13 0
EPS after Extra 0.18 0.14 28.57 0.06 800
EPS after Extra Growth(%) 28.60 (67.40) 9,601 bp (73.90) 10,248 bp
Core EPS 0.23 0.20 15 (0.03) NM
Core EPS Growth(%) 16.20 133.80 (11,760) bp NM NM
Diluted EPS before Amortization 0.20 0.16 25 0.08 600
Pre-Provision Earnings per Share 0.23 (0.06) NM 0.12 366.67

   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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