Financial Highlights

Financial Highlights
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
2012 FY
12/31/2012
Balance Sheet ($000)
Total Assets 14,860,237 11,991,527 11,646,051 9,581,744 9,543,623
Total Net Loans 9,051,386 6,909,982 6,483,842 5,043,524 5,154,422
Total Deposits 10,743,253 8,400,860 8,490,664 7,210,903 7,278,953
Equity Attributable to Parent Company 1,814,417 1,491,170 1,465,764 1,162,640 1,194,565
Total Equity 1,814,417 1,491,170 1,465,764 1,162,640 1,194,565
Profitability (%)
Net Income($000) 134,264 116,716 103,667 100,920 91,675
Net Income Attributable to Parent($000) 134,264 116,716 103,667 100,920 91,675
ROAA 0.98 0.98 0.99 1.05 1.04
Core ROAA 0.91 1 1.09 1.14 1.10
ROAE 7.84 7.88 7.91 8.54 8.34
ROATCE 13.62 14.44 12.80 13.09 12.38
Core ROAE 7.23 8.02 8.66 9.28 8.84
Net Interest Margin 3.58 3.72 4.22 4.02 4.23
Reported: Net Interest Margin 3.58 3.72 4.22 4.02 4.23
Efficiency Ratio 66.47 67.61 67.10 66.69 65.57
Noninterest Inc/ Operating Rev 32.33 34.93 29.82 35.91 36.34
Balance Sheet Ratios (%)
Loans/ Deposits 83.87 82.71 74.41 70.49 71.39
Securities/ Assets 24.56 28.19 30.46 33.18 30.85
Total Equity/ Total Assets 12.21 12.44 12.59 12.13 12.52
Tangible Equity/ Tangible Assets 7.92 7.66 8.09 8.52 9.01
Tang Common Equity/ Tang Assets 7.92 7.66 8.09 8.52 9.01
Asset Quality (%)
NPAs/ Assets 1.11 1.23 1.25 1.25 1.79
NPA Excl Restructured/ Assets 1.01 1.11 1.14 1.09 1.69
NPAs & 90+ PD/ Assets 1.11 1.23 1.25 1.25 1.81
NPAs/ Loans & REO 1.80 2.14 2.28 2.45 3.53
Nonaccrual & 90+ & OREO/ Assets 1.01 1.11 1.15 1.09 1.70
NPAs & 90+ PD/ Loans & REO 1.81 2.15 2.29 2.46 3.56
NPA & Loans 90+/ Tangible Common Equity + LLR 14.05 16.01 15.48 14.44 19.56
NCOs/ Avg Loans 0.04 (0.02) 0.03 0.07 0.16
Loan Loss Reserves/ Gross Loans 0.55 0.75 0.73 0.93 1.05
Reserves/ NPAs 30.31 35.55 32.84 39.35 31.97
Loan Loss Provision/ NCO 28.36 NM 168.04 (67.31) 70.83
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,162,817 934,497 899,649 793,282 736,224
Tier 1 Capital($000) 1,176,849 968,772 944,649 821,281 764,224
Tier 2 Capital($000) 53,029 55,813 NA NA NA
Total Capital($000) 1,229,878 1,024,586 996,929 871,076 823,594
Total Risk-weighted Assets($000) 10,101,539 7,718,065 7,334,027 5,733,962 5,604,873
Tier 1 Common Capital (CET1) Ratio(%) 11.51 12.11 12.27 13.83 13.14
Tier 1 Ratio(%) 11.65 12.55 12.88 14.32 13.63
Total Capital Ratio(%) 12.18 13.28 13.59 15.19 14.69
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.43 8.54 8.79 8.92 8.53
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 135,158,697 114,296,822 116,847,299 99,858,500 101,178,511
Avg Diluted Shares(actual) 128,301,000 116,255,000 108,365,000 101,198,000 96,833,000
Basic Book Value per Share 13.42 13.05 12.54 11.64 11.81
As-reported Book Value per Share 13.42 13.05 12.54 11.64 11.81
Basic Tangible Book Value per Share 8.30 7.62 7.67 7.85 8.17
Reported: Tangible Book Value 8.30 7.62 7.67 7.85 8.17
Common Dividends Declared per Share 0.52 0.48 0.44 0.40 0.36
EPS after Extra 1.05 1 0.95 1 0.95
EPS after Extra Growth(%) 5 5.30 (5) 5.30 25
Core EPS 0.97 1.02 1.04 1.09 1.01
Core EPS Growth(%) (4.80) (2.20) (4.30) 8 11.20
Diluted EPS before Amortization 1.15 1.10 1.03 1.08 1.03
Pre-Provision Earnings per Share 0.88 0.88 0.90 0.94 0.90
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.