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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 Assets 6,599,5206,228,5415,476,8092,301,6151,998,799
Total Net Loans 4,933,0694,597,1983,885,2831,697,4341,592,277
Total Deposits 4,711,1724,437,0714,035,3111,735,2051,504,680
Equity Attributable to Parent Company 655,866625,521602,408299,382320,611
Total Equity 655,866625,521602,408299,382320,611
Profitability (%)   
Net Income ($000)  49,66149,6406,78214,22715,797
Net Income Attributable to Parent ($000)  49,66149,6406,78214,22715,797
ROAA 0.780.870.160.670.84
Core ROAA 0.840.950.820.760.79
ROAE 7.778.081.284.674.83
ROATCE 9.8110.351.694.694.86
Core ROAE 8.448.796.645.304.56
Net Interest Margin 2.993.233.543.373.77
Reported: Net Interest Margin 2.863.113.543.373.77
Efficiency Ratio 61.6160.2464.8569.3267.72
Noninterest Inc / Operating Rev 15.7817.2212.5919.7116.03
Balance Sheet Ratios (%)   
Loans / Deposits 104.29104.1496.6998.90106.70
Securities / Assets 16.8318.0620.1018.8713.17
Total Equity / Total Assets 9.9410.0411.0013.0116.04
Tangible Equity / Tangible Assets 8.258.238.9312.9716.00
Tang Common Equity / Tang Assets 8.258.238.9312.9716.00
Asset Quality (%)   
NPAs / Assets NA0.920.841.030.98
NPA Excl Restructured / Assets 0.540.620.630.660.95
NPAs & 90+ PD / Assets NA0.920.931.030.98
NPAs / Loans & REO NA1.231.181.381.21
Nonaccrual & 90+ & OREO / Assets NA0.620.720.660.95
NPAs & 90+ PD / Loans & REO NA1.241.301.381.21
NPA & Loans 90+ / Tangible Common Equity + LLR NA10.6810.147.455.78
NCOs / Avg Loans 0.100.100.120.080.07
Loan Loss Reserves / Gross Loans 0.860.730.631.121.15
Reserves / NPAs NA59.4453.6681.0794.62
Loan Loss Provision / NCO 296.88331.17245.37152.69316.04
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)  NA518,732477,862302,668323,483
Tier 1 Capital ($000)  NA518,732477,862302,668323,483
Tier 2 Capital ($000)  NA110,183NANANA
Total Capital ($000)  NA628,915579,109322,623342,505
Total Risk-weighted Assets ($000)  NA5,020,8753,975,6601,825,1781,566,974
Tier 1 Common Capital (CET1) Ratio (%)  NA10.3312.0216.5820.64
Tier 1 Ratio (%)  NA10.3312.0216.5820.64
Total Capital Ratio (%)  NA12.5314.5717.6821.86
Liquidity Coverage Ratio (%)  NANANANANA
Leverage Ratio (%)  NA8.879.1013.4716.51
Supplementary Leverage Ratio (%)  NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual)  50,802,94349,941,42849,537,70025,968,40428,156,897
Avg Diluted Shares (actual)  50,089,03049,385,56643,269,51726,426,22028,025,610
Basic Book Value per Share 12.9112.5312.1611.5311.39
As-reported Book Value per Share 12.9112.5312.1611.5311.39
Basic Tangible Book Value per Share 10.5210.079.6511.4911.35
Reported: Tangible Book Value 10.5310.079.6511.4911.35
Common Dividends Declared per Share 0.480.460.400.400.52
EPS after Extra 0.991.000.160.540.56
EPS after Extra Growth (%)  (1.0)525.00(70.4)(3.6)124.00
Core EPS 1.081.090.830.610.53
Core EPS Growth (%)  (1.2)30.9035.7015.6024.10
Diluted EPS before Amortization 1.021.040.190.540.56
Pre-Provision Earnings per Share 0.940.970.810.610.57
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