Financial Highlights

Financial Highlights
2016 FQ4
12/31/2016
2015 FQ4
12/31/2015
Y-Y Ch (%)
2016 FQ3
9/30/2016
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 8,699,851 7,926,496 9.76 8,542,471 7.37
Total Net Loans 6,337,838 5,596,279 13.25 6,249,274 5.67
Total Deposits 7,059,137 6,218,602 13.52 6,817,798 14.16
Equity Attributable to Parent Company 1,232,883 1,036,818 18.91 1,142,247 31.74
Total Equity 1,232,883 1,036,818 18.91 1,142,247 31.74
Profitability (%)
Net Income($000) 23,635 21,160 11.70 23,179 7.87
Net Income Attributable to Parent($000) 23,635 21,160 11.70 23,179 7.87
ROAA 1.10 1.07 3 bp 1.08 2 bp
Core ROAA 1.21 1.19 2 bp 1.14 7 bp
ROAE 8.18 8.19 (1) bp 8.17 1 bp
ROATCE 14.96 15.96 (100) bp 15.22 (26) bp
Core ROAE 9.01 9.11 (10) bp 8.62 39 bp
Net Interest Margin 4.26 4.37 (11) bp 4.17 9 bp
Reported: Net Interest Margin 4.24 4.34 (10) bp 4.15 9 bp
Efficiency Ratio 60.16 62.76 (260) bp 63 (284) bp
Noninterest Inc/ Operating Rev 27.81 30.29 (248) bp 33.57 (576) bp
Balance Sheet Ratios (%)
Loans/ Deposits 87.87 87.05 82 bp 89.55 (168) bp
Securities/ Assets 11.99 14.27 (228) bp 12.41 (42) bp
Total Equity/ Total Assets 14.17 13.08 109 bp 13.37 80 bp
Tangible Equity/ Tangible Assets 9 7.54 146 bp 8.03 97 bp
Tang Common Equity/ Tang Assets 9 7.54 146 bp 8.03 97 bp
Asset Quality Ratios (%)
NPAs/ Assets 0.77 1.04 (27) bp 0.82 (5) bp
NPA Excl Restructured/ Assets 0.64 0.87 (23) bp 0.70 (6) bp
NPAs & 90+ PD/ Assets 0.92 1.20 (28) bp 1 (8) bp
NPAs/ Loans & REO 1.05 1.47 (42) bp 1.12 (7) bp
NCOs/ Avg Loans 0.31 0.10 21 bp 0.05 26 bp
Loan Loss Reserves/ Gross Loans 0.67 0.75 (8) bp 0.73 (6) bp
Reserves/ NPAs 63.75 51.63 1,212 bp 65.29 (154) bp
Loan Loss Provision/ NCO 34.11 128.30 (9,419) bp 321.60 (28,749) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 766,560 591,356 29.63 665,516 60.73
Tier 1 Capital($000) 858,850 681,731 25.98 757,589 53.46
Tier 2 Capital($000) 145,188 47,590 205.08 148,415 (8.70)
Total Capital($000) 1,004,038 729,321 37.67 906,004 43.28
Total Risk-weighted Assets($000) 6,680,867 5,920,468 6,680,867 6,548,263 6,680,867
Tier 1 Common Capital (CET1) Ratio(%) 11.47 9.99 148 bp 10.16 131 bp
Tier 1 Ratio(%) 12.86 11.51 135 bp 11.57 129 bp
Total Capital Ratio(%) 15.03 12.32 271 bp 13.84 119 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.59 9.16 143 bp 9.38 121 bp
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Info ($)
Common Shares Outstanding(actual) 44,332,273 40,293,291 10.02 42,102,224 21.19
Avg Diluted Shares(actual) 42,636,325 40,539,151 5.17 42,310,358 3.08
Basic Book Value per Share 27.81 25.73 8.08 27.13 10.03
As-reported Book Value per Share 27.81 25.73 8.08 27.13 10.03
Basic Tangible Book Value per Share 16.65 13.95 19.35 15.34 34.16
Reported: Tangible Book Value 16.65 13.95 19.35 15.34 34.16
Common Dividends Declared per Share 0.18 0.17 5.88 0.18 0
EPS after Extra 0.55 0.52 5.77 0.55 0
EPS after Extra Growth(%) 5.80 6.10 (35) bp 37.50 (3,173) bp
Core EPS 0.61 0.58 5.17 0.58 20.69
Core EPS Growth(%) 4.60 9.80 (510) bp 4.90 (24) bp
Diluted EPS before Amortization 0.59 0.56 5.36 0.59 0
Pre-Provision Earnings per Share 0.59 0.56 5.36 0.58 6.90

   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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