Financial Highlights

Financial Highlights
2017 FQ2 YTD
6/30/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 14,957,281 14,860,237 11,991,527 11,646,051 9,581,744
Total Net Loans 9,208,479 9,051,386 6,909,982 6,483,842 5,043,524
Total Deposits 10,683,714 10,743,253 8,400,860 8,490,664 7,210,903
Equity Attributable to Parent Company 1,886,594 1,814,417 1,491,170 1,465,764 1,162,640
Total Equity 1,886,594 1,814,417 1,491,170 1,465,764 1,162,640
Profitability (%)
Net Income($000) 74,846 134,264 116,716 103,667 100,920
Net Income Attributable to Parent($000) 74,846 134,264 116,716 103,667 100,920
ROAA 1.01 0.98 0.98 0.99 1.05
Core ROAA 1.05 0.91 1 1.09 1.14
ROAE 8.11 7.84 7.88 7.91 8.54
ROATCE 13.60 13.62 14.44 12.80 13.09
Core ROAE 8.43 7.23 8.02 8.66 9.28
Net Interest Margin 3.46 3.58 3.72 4.22 4.02
Reported: Net Interest Margin 3.46 3.58 3.72 4.22 4.02
Efficiency Ratio 63.34 66.47 67.61 67.10 66.69
Noninterest Inc/ Operating Rev 29.51 32.33 34.93 29.82 35.91
Balance Sheet Ratios (%)
Loans/ Deposits 86.41 83.87 82.71 74.41 70.49
Securities/ Assets 24.23 24.56 28.19 30.46 33.18
Total Equity/ Total Assets 12.61 12.21 12.44 12.59 12.13
Tangible Equity/ Tangible Assets 8.41 7.92 7.66 8.09 8.52
Tang Common Equity/ Tang Assets 8.41 7.92 7.66 8.09 8.52
Asset Quality (%)
NPAs/ Assets 1.01 1.11 1.23 1.25 1.25
NPA Excl Restructured/ Assets 0.91 1.01 1.11 1.14 1.09
NPAs & 90+ PD/ Assets 1.01 1.11 1.23 1.25 1.25
NPAs/ Loans & REO 1.63 1.80 2.14 2.28 2.45
Nonaccrual & 90+ & OREO/ Assets 0.91 1.01 1.11 1.15 1.09
NPAs & 90+ PD/ Loans & REO 1.63 1.81 2.15 2.29 2.46
NPA & Loans 90+/ Tangible Common Equity + LLR 12.07 14.05 16.01 15.48 14.44
NCOs/ Avg Loans 0.01 0.04 (0.02) 0.03 0.07
Loan Loss Reserves/ Gross Loans 0.55 0.55 0.75 0.73 0.93
Reserves/ NPAs 33.83 30.31 35.55 32.84 39.35
Loan Loss Provision/ NCO 324.81 28.36 NM 168.04 (67.31)
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,192,227 1,162,817 934,497 899,649 793,282
Tier 1 Capital($000) 1,222,250 1,176,849 968,772 944,649 821,281
Tier 2 Capital($000) NA 53,029 55,813 NA NA
Total Capital($000) 1,276,277 1,229,878 1,024,586 996,929 871,076
Total Risk-weighted Assets($000) 10,367,804 10,099,613 7,718,065 7,334,027 5,733,962
Tier 1 Common Capital (CET1) Ratio(%) 11.50 11.51 12.11 12.27 13.83
Tier 1 Ratio(%) 11.79 11.65 12.55 12.88 14.32
Total Capital Ratio(%) 12.31 12.18 13.28 13.59 15.19
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.65 8.43 8.54 8.79 8.92
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 135,516,000 135,158,697 114,296,822 116,847,299 99,858,500
Avg Diluted Shares(actual) 135,641,000 128,301,000 116,255,000 108,365,000 101,198,000
Basic Book Value per Share 13.92 13.42 13.05 12.54 11.64
As-reported Book Value per Share 13.92 13.42 13.05 12.54 11.64
Basic Tangible Book Value per Share 8.85 8.30 7.62 7.67 7.85
Reported: Tangible Book Value 8.85 8.30 7.62 7.67 7.85
Common Dividends Declared per Share 0.26 0.52 0.48 0.44 0.40
EPS after Extra 0.55 1.05 1 0.95 1
EPS after Extra Growth(%) 0 5 5.30 (5) 5.30
Core EPS 0.57 0.97 1.02 1.04 1.09
Core EPS Growth(%) 45.50 (4.80) (2.20) (4.30) 8
Diluted EPS before Amortization 0.59 1.15 1.10 1.03 1.08
Pre-Provision Earnings per Share 0.46 0.88 0.88 0.90 0.94
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