Financial Highlights

Financial Highlights
2017 FQ1
3/31/2017
2016 FQ1
3/31/2016
Y-Y Ch (%)
2016 FQ4
12/31/2016
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 8,764,711 8,146,229 7.59 8,699,851 2.98
Total Net Loans 6,351,501 5,828,236 8.98 6,337,838 0.86
Total Deposits 7,230,850 6,431,377 12.43 7,059,137 9.73
Equity Attributable to Parent Company 1,251,065 1,053,178 18.79 1,232,883 5.90
Total Equity 1,251,065 1,053,178 18.79 1,232,883 5.90
Profitability (%)
Net Income($000) 23,972 21,216 12.99 23,635 5.70
Net Income Attributable to Parent($000) 23,972 21,216 12.99 23,635 5.70
ROAA 1.09 1.07 2 bp 1.10 (1) bp
Core ROAA 1.16 1.15 1 bp 1.21 (5) bp
ROAE 7.69 8.08 (39) bp 8.18 (49) bp
ROATCE 13.27 15.52 (225) bp 14.96 (169) bp
Core ROAE 8.13 8.75 (62) bp 9.01 (88) bp
Net Interest Margin 3.96 4.18 (22) bp 4.26 (30) bp
Reported: Net Interest Margin 4.01 4.21 (20) bp 4.24 (23) bp
Efficiency Ratio 61.72 62.90 (118) bp 60.22 150 bp
Noninterest Inc/ Operating Rev 30.20 32.27 (207) bp 27.94 226 bp
Balance Sheet Ratios (%)
Loans/ Deposits 86.24 86.65 (41) bp 87.87 (163) bp
Securities/ Assets 12 13.85 (185) bp 11.99 1 bp
Total Equity/ Total Assets 14.27 12.93 134 bp 14.17 10 bp
Tangible Equity/ Tangible Assets 9.16 7.52 164 bp 9 16 bp
Tang Common Equity/ Tang Assets 9.16 7.52 164 bp 9 16 bp
Asset Quality Ratios (%)
NPAs/ Assets 0.76 0.98 (22) bp 0.77 (1) bp
NPA Excl Restructured/ Assets 0.59 0.81 (22) bp 0.64 (5) bp
NPAs & 90+ PD/ Assets 0.92 1.15 (23) bp 0.92 0 bp
NPAs/ Loans & REO 1.03 1.37 (34) bp 1.05 (2) bp
NCOs/ Avg Loans 0.08 0.10 (2) bp 0.31 (23) bp
Loan Loss Reserves/ Gross Loans 0.67 0.73 (6) bp 0.67 0 bp
Reserves/ NPAs 64.74 53.47 1,127 bp 63.75 99 bp
Loan Loss Provision/ NCO 114.16 130.62 (1,646) bp 34.11 8,005 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 778,273 597,827 30.18 766,560 6.11
Tier 1 Capital($000) 860,684 688,601 24.99 858,850 0.85
Tier 2 Capital($000) 145,409 47,753 204.50 145,188 0.61
Total Capital($000) 1,006,093 736,354 36.63 1,004,038 0.82
Total Risk-weighted Assets($000) 6,657,771 6,052,463 6,657,771 6,680,867 6,657,771
Tier 1 Common Capital (CET1) Ratio(%) 11.69 9.88 181 bp 11.47 22 bp
Tier 1 Ratio(%) 12.93 11.38 155 bp 12.86 7 bp
Total Capital Ratio(%) 15.11 12.17 294 bp 15.03 8 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.39 9.19 120 bp 10.59 (20) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Info ($)
Common Shares Outstanding(actual) 44,394,707 40,373,753 9.96 44,332,273 0.56
Avg Diluted Shares(actual) 44,480,499 40,559,145 9.67 42,636,325 17.30
Basic Book Value per Share 28.18 26.09 8.01 27.81 5.32
As-reported Book Value per Share 28.18 26.09 8.01 27.81 5.32
Basic Tangible Book Value per Share 17.07 14.28 19.54 16.65 10.09
Reported: Tangible Book Value 17.07 14.28 19.54 16.65 10.09
Common Dividends Declared per Share 0.18 0.17 5.88 0.18 0
EPS after Extra 0.54 0.52 3.85 0.55 (7.27)
EPS after Extra Growth(%) 3.80 8.30 (448) bp 5.80 (192) bp
Core EPS 0.57 0.56 1.79 0.61 (26.23)
Core EPS Growth(%) 1.40 9.20 (783) bp 4.60 (329) bp
Diluted EPS before Amortization 0.58 0.56 3.57 0.59 (6.78)
Pre-Provision Earnings per Share 0.55 0.55 0 0.59 (27.12)

   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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