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Financial Highlights

Financial Highlights
2017 FQ3
9/30/2017
2016 FQ3
9/30/2016
Y-Y Ch (%)
2017 FQ2
6/30/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 10,280,028 11,216,404 (8.35) 10,365,768 (3.31)
Total Net Loans 6,231,955 6,887,450 (9.52) 6,192,776 2.53
Total Deposits 7,403,593 9,078,319 (18.45) 8,044,911 (31.89)
Equity Attributable to Parent Company 1,013,908 971,424 4.37 1,006,292 3.03
Total Equity 1,013,908 971,424 4.37 1,006,292 3.03
Profitability (%)
Net Income($000) 16,949 35,937 (52.84) 12,257 153.12
Net Income Attributable to Parent($000) 16,949 35,937 (52.84) 12,257 153.12
ROAA 0.67 1.32 (65) bp 0.46 21 bp
Core ROAA 0.76 1.37 (61) bp 0.80 (4) bp
ROAE 6.74 14.84 (810) bp 4.83 191 bp
ROATCE 7.02 18.98 (1,196) bp 4.37 265 bp
Core ROAE 7.63 15.32 (769) bp 8.48 (85) bp
Net Interest Margin 3.17 3.33 (16) bp 3.08 9 bp
Reported: Net Interest Margin 3.15 3.32 (17) bp 3.09 6 bp
Efficiency Ratio 76.30 61.91 1,439 bp 78.95 (265) bp
Noninterest Inc/ Operating Rev 12.52 20.64 (812) bp 5.75 677 bp
Balance Sheet Ratios (%)
Loans/ Deposits 84.11 72.36 1,175 bp 74.04 1,007 bp
Securities/ Assets 27.46 26.51 95 bp 28.73 (127) bp
Total Equity/ Total Assets 9.86 8.66 120 bp 9.71 15 bp
Tangible Equity/ Tangible Assets 9.45 8.23 122 bp 9.29 16 bp
Tang Common Equity/ Tang Assets 6.82 5.82 100 bp 6.68 14 bp
Asset Quality (%)
NPAs/ Assets 0.21 0.43 (22) bp 0.16 5 bp
NPA Excl Restructured/ Assets 0.16 0.32 (16) bp 0.12 4 bp
NPAs & 90+ PD/ Assets 0.21 0.43 (22) bp 0.16 5 bp
NPAs/ Loans & REO 0.34 0.70 (36) bp 0.27 7 bp
Nonaccrual & 90+ & OREO/ Assets 0.16 0.32 (16) bp 0.12 4 bp
NPAs & 90+ PD/ Loans & REO 0.34 0.70 (36) bp 0.27 7 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 2.91 6.98 (407) bp 2.31 60 bp
NCOs/ Avg Loans 0.06 (0.01) 7 bp 0.17 (11) bp
Loan Loss Reserves/ Gross Loans 0.72 0.58 14 bp 0.68 4 bp
Reserves/ NPAs 208.43 83.53 12,490 bp 250.65 (4,222) bp
Loan Loss Provision/ NCO 407.44 NM NM 87.70 31,974 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 690,942 646,596 6.86 681,474 5.56
Tier 1 Capital($000) 960,013 915,667 4.84 950,545 3.98
Tier 2 Capital($000) 49,714 18,358 170.80 46,399 28.58
Total Capital($000) 1,009,727 934,025 8.10 996,944 5.13
Total Risk-weighted Assets($000) 6,971,427 7,303,389 6,971,427 6,930,059 6,971,427
Tier 1 Common Capital (CET1) Ratio(%) 9.91 8.85 106 bp 9.83 8 bp
Tier 1 Ratio(%) 13.77 12.54 123 bp 13.72 5 bp
Total Capital Ratio(%) 14.48 12.79 169 bp 14.39 9 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.55 8.47 108 bp 8.93 62 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,526,750 49,733,243 1.60 50,346,568 1.43
Avg Diluted Shares(actual) 50,933,358 50,996,469 (0.12) 50,942,324 (0.07)
Basic Book Value per Share 14.74 14.12 4.39 14.64 2.73
As-reported Book Value per Share 14.74 14.07 4.76 14.64 2.73
Basic Tangible Book Value per Share 13.80 13.07 5.59 13.68 3.51
Reported: Tangible Book Value 13.80 12.98 6.32 13.68 3.51
Common Dividends Declared per Share 0.13 0.12 8.33 0.13 0
EPS after Extra 0.23 0.59 (61.02) 0.14 257.14
EPS after Extra Growth(%) (61) 103.40 (16,447) bp (67.40) 642 bp
Core EPS 0.27 0.61 (55.74) 0.33 (72.73)
Core EPS Growth(%) (55.20) 118 (17,320) bp 284.60 (33,987) bp
Diluted EPS before Amortization 0.25 0.61 (59.02) 0.16 225
Pre-Provision Earnings per Share 0.13 0.34 (61.76) 0.07 342.86

   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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