Financial Highlights
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Select Period: Financial Charting
 2016 FY2015 FY2014 FY2013 FY2012 FY
Period Ended12/31/201612/31/201512/31/201412/31/201312/31/2012
Balance Sheet ($000)   
Total Assets6,438,1296,042,3385,800,9485,325,6515,147,450
Total Net Loans5,358,2764,952,1844,770,4854,327,3644,137,793
Total Deposits4,611,0764,306,0183,958,1063,835,0063,616,259
Equity Attributable to Parent Company695,544667,485641,818614,412612,013
Total Equity702,749673,486646,605618,716615,725
Profitability (%)   
Net Income ($000) 55,22452,36845,32537,80237,881
Net Income Attributable to Parent ($000) 52,36249,78243,28836,01536,654
ROAA0.880.900.820.730.76
Core ROAA0.860.880.780.750.87
ROAE7.947.907.146.106.24
ROATCE9.9610.179.518.498.87
Core ROAE7.837.866.906.297.17
Net Interest Margin3.443.543.623.663.84
Reported: Net Interest Margin3.443.543.613.643.85
Efficiency Ratio56.2256.8460.9161.4455.69
Noninterest Inc / Operating Rev10.019.418.347.959.15
Balance Sheet Ratios (%)   
Loans / Deposits117.08116.01121.84113.75115.47
Securities / Assets10.4911.1410.7910.5110.69
Total Equity / Total Assets10.9211.1511.1511.6211.96
Tangible Equity / Tangible Assets8.858.918.768.979.15
Tang Common Equity / Tang Assets8.738.818.688.899.07
Asset Quality (%)   
NPAs / Assets0.860.640.520.580.66
NPA Excl Restructured / Assets0.640.340.260.340.46
NPAs & 90+ PD / Assets0.970.780.620.781.01
NPAs / Loans & REO1.020.770.620.700.82
Nonaccrual & 90+ & OREO / Assets0.750.490.370.540.80
NPAs & 90+ PD / Loans & REO1.150.940.750.951.24
NPA & Loans 90+ / Tangible Common Equity + LLR10.358.226.628.2210.48
NCOs / Avg Loans0.250.090.070.080.16
Loan Loss Reserves / Gross Loans0.991.131.111.110.98
Reserves / NPAs96.94146.88178.95157.19120.50
Loan Loss Provision / NCO76.85170.92269.87318.28244.00
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) NA530,505NA467,005449,214
Tier 1 Capital ($000) NA545,035504,964480,472465,142
Tier 2 Capital ($000) NA131,674NANANA
Total Capital ($000) NA676,709633,421529,982507,077
Total Risk-weighted Assets ($000) NA4,997,0334,785,2684,362,7454,285,663
Tier 1 Common Capital (CET1) Ratio (%) NA10.62NA10.7010.48
Tier 1 Ratio (%) NA10.9110.5511.0110.85
Total Capital Ratio (%) NA13.5413.2412.1511.83
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) NA9.379.019.369.44
Supplementary Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 71,037,34970,882,89170,703,87470,572,46070,376,092
Avg Diluted Shares (actual) 70,444,08370,235,86870,054,81569,883,92469,746,256
Basic Book Value per Share9.799.429.088.718.70
As-reported Book Value per Share9.889.519.168.798.77
Basic Tangible Book Value per Share7.747.326.946.516.43
Reported: Tangible Book Value7.817.397.006.586.49
Common Dividends Declared per Share0.360.360.340.340.34
EPS after Extra0.740.710.620.520.53
EPS after Extra Growth (%) 4.2014.5019.20(1.9)12.80
Core EPS0.720.700.590.530.61
Core EPS Growth (%) 3.2017.8011.30(12.1)23.90
Diluted EPS before Amortization0.780.750.670.590.61
Pre-Provision Earnings per Share0.840.790.690.620.74
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