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 2017 FQ42016 FQ4 2017 FQ3 
Period Ended12/31/201712/31/2016Y-Y Ch (%)9/30/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets66,288,00063,239,1654.8265,564,0004.42
Total Net Loans44,306,00042,253,6774.8643,686,0005.68
Total Deposits52,621,00053,235,830 (1.15) 52,099,0004.01
Equity Attributable to Parent Company7,679,0007,634,3060.597,761,000 (4.23)
Total Equity7,679,0007,634,3060.597,761,000 (4.23)
Profitability (%)   
Net Income ($000) 124,000137,401 (9.75) 160,000 (90)
Net Income Attributable to Parent ($000) 124,000137,401 (9.75) 160,000 (90)
ROAA0.750.89 (14)  bp 0.98 (23)  bp
Core ROAA0.760.93 (17)  bp 1.00 (24)  bp
ROAE6.377.13 (76)  bp 8.21 (184)  bp
ROATCE7.438.45 (102)  bp 9.87 (244)  bp
Core ROAE6.407.42 (102)  bp 8.34 (194)  bp
Net Interest Margin3.483.399  bp 3.480  bp
Reported: Net Interest Margin3.453.378  bp 3.450  bp
Efficiency Ratio61.5264.40 (288)  bp 60.9755  bp
Noninterest Inc / Operating Rev20.9121.51 (60)  bp 20.4348  bp
Balance Sheet Ratios (%)   
Loans / Deposits85.1080.11499  bp 84.7535  bp
Securities / Assets24.9823.31167  bp 25.23 (25)  bp
Total Equity / Total Assets11.5812.07 (49)  bp 11.84 (26)  bp
Tangible Equity / Tangible Assets10.2110.63 (42)  bp 10.45 (24)  bp
Tang Common Equity / Tang Assets9.349.49 (15)  bp 9.57 (23)  bp
Asset Quality (%)   
NPAs / Assets0.841.14 (30)  bp 0.92 (8)  bp
NPA Excl Restructured / Assets0.630.91 (28)  bp 0.71 (8)  bp
NPAs & 90+ PD / Assets0.871.20 (33)  bp 0.96 (9)  bp
NPAs / Loans & REO1.241.69 (45)  bp 1.36 (12)  bp
Nonaccrual & 90+ & OREO / Assets0.660.96 (30)  bp 0.76 (10)  bp
NPAs & 90+ PD / Loans & REO1.291.77 (48)  bp 1.43 (14)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR8.7511.74 (299)  bp 9.39 (64)  bp
NCOs / Avg Loans0.110.25 (14)  bp 0.074  bp
Loan Loss Reserves / Gross Loans1.161.33 (17)  bp 1.22 (6)  bp
Reserves / NPAs93.0578.411,464  bp 90.02303  bp
Loan Loss Provision / NCO(91.67)(9.96) (8,171)  bp 62.50 (15,417)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 6,239,3396,028,0373.516,238,1760.07
Tier 1 Capital ($000) 6,805,1906,737,63816,804,0270.07
Tier 2 Capital ($000) 822,638870,864 (5.54) 846,458 (11.26)
Total Capital ($000) 7,627,8287,608,5020.257,650,485 (1.18)
Total Risk-weighted Assets ($000) 51,455,86449,936,7073.0451,042,8713.24
Tier 1 Common Capital (CET1) Ratio (%) 12.1212.075  bp 12.22 (10)  bp
Tier 1 Ratio (%) 13.2213.49 (27)  bp 13.33 (11)  bp
Total Capital Ratio (%) 14.8215.24 (42)  bp 14.99 (17)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 10.5111.09 (58)  bp 10.58 (7)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 197,532,000203,085,100 (2.73) 199,712,000 (4.37)
Avg Diluted Shares (actual) 209,681,000205,446,2852.06209,106,0001.10
Basic Book Value per Share36.0134.105.6036.03 (0.22)
As-reported Book Value per Share36.0134.105.6036.03 (0.22)
Basic Tangible Book Value per Share30.8729.066.2330.93 (0.78)
Reported: Tangible Book Value30.8729.066.2330.93 (0.78)
Common Dividends Declared per Share0.160.081000.12133.33
EPS after Extra0.540.60 (10) 0.72 (100)
EPS after Extra Growth (%) (10.0)39.50 (4,953)  bp 26.30 (3,632)  bp
Core EPS0.540.63 (14.29) 0.73 (104.11)
Core EPS Growth (%) (13.8)42.60 (5,646)  bp 33.00 (4,687)  bp
Diluted EPS before Amortization0.540.61 (11.48) 0.73 (104.11)
Pre-Provision Earnings per Share0.720.60200.73 (5.48)
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   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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