Financial Highlights

Financial Highlights
2017 FQ3
9/30/2017
2016 FQ3
9/30/2016
Y-Y Ch (%)
2017 FQ2
6/30/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 10,323,687 8,542,471 20.85 8,872,272 65.44
Total Net Loans 7,611,365 6,249,274 21.80 6,559,256 64.16
Total Deposits 8,118,518 6,817,798 19.08 7,202,025 50.90
Equity Attributable to Parent Company 1,511,826 1,142,247 32.36 1,271,786 75.50
Total Equity 1,511,826 1,142,247 32.36 1,271,786 75.50
Profitability (%)
Net Income($000) 26,421 23,179 13.99 25,284 17.99
Net Income Attributable to Parent($000) 26,421 23,179 13.99 25,284 17.99
ROAA 1.03 1.08 (5) bp 1.16 (13) bp
Core ROAA 1.23 1.14 9 bp 1.29 (6) bp
ROAE 7.07 8.17 (110) bp 8.03 (96) bp
ROATCE 11.84 15.22 (338) bp 13.70 (186) bp
Core ROAE 8.45 8.62 (17) bp 8.97 (52) bp
Net Interest Margin 4.11 4.17 (6) bp 4.25 (14) bp
Reported: Net Interest Margin 4.08 4.15 (7) bp 4.27 (19) bp
Efficiency Ratio 57.46 63 (554) bp 60.03 (257) bp
Noninterest Inc/ Operating Rev 27.04 33.57 (653) bp 30.09 (305) bp
Balance Sheet Ratios (%)
Loans/ Deposits 91.75 89.55 220 bp 88.46 329 bp
Securities/ Assets 11.38 12.41 (103) bp 12.27 (89) bp
Total Equity/ Total Assets 14.64 13.37 127 bp 14.33 31 bp
Tangible Equity/ Tangible Assets 9.03 8.03 100 bp 9.31 (28) bp
Tang Common Equity/ Tang Assets 9.03 8.03 100 bp 9.31 (28) bp
Asset Quality Ratios (%)
NPAs/ Assets 0.45 0.82 (37) bp 0.58 (13) bp
NPA Excl Restructured/ Assets 0.32 0.70 (38) bp 0.42 (10) bp
NPAs & 90+ PD/ Assets 0.55 1 (45) bp 0.69 (14) bp
NPAs/ Loans & REO 0.61 1.12 (51) bp 0.78 (17) bp
NCOs/ Avg Loans 0.09 0.05 4 bp 0.03 6 bp
Loan Loss Reserves/ Gross Loans 0.58 0.73 (15) bp 0.67 (9) bp
Reserves/ NPAs 95.52 65.29 3,023 bp 85.69 983 bp
Loan Loss Provision/ NCO 121.61 321.60 (19,999) bp 333.97 (21,236) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 887,234 665,516 33.32 797,620 44.94
Tier 1 Capital($000) 970,005 757,589 28.04 880,239 40.79
Tier 2 Capital($000) 161,600 148,415 8.88 146,677 40.70
Total Capital($000) 1,131,605 906,004 24.90 1,026,916 40.78
Total Risk-weighted Assets($000) 7,911,619 6,548,263 7,911,619 6,846,463 7,911,619
Tier 1 Common Capital (CET1) Ratio(%) 11.21 10.16 105 bp 11.65 (44) bp
Tier 1 Ratio(%) 12.26 11.57 69 bp 12.86 (60) bp
Total Capital Ratio(%) 14.30 13.84 46 bp 15 (70) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.05 9.38 67 bp 10.68 (63) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Info ($)
Common Shares Outstanding(actual) 49,320,225 42,102,224 17.14 44,430,335 44.02
Avg Diluted Shares(actual) 49,435,225 42,310,358 16.84 44,523,541 44.13
Basic Book Value per Share 30.65 27.13 12.97 28.62 28.37
As-reported Book Value per Share 30.65 27.13 12.97 28.62 28.37
Basic Tangible Book Value per Share 17.73 15.34 15.58 17.56 3.87
Reported: Tangible Book Value 17.73 15.34 15.58 17.56 3.87
Common Dividends Declared per Share 0.18 0.18 0 0.18 0
EPS after Extra 0.53 0.55 (3.64) 0.57 (28.07)
EPS after Extra Growth(%) (3.60) 37.50 (4,114) bp 5.60 (920) bp
Core EPS 0.63 0.58 8.62 0.64 (6.25)
Core EPS Growth(%) 9.30 4.90 440 bp 7.80 150 bp
Diluted EPS before Amortization 0.57 0.59 (3.39) 0.60 (20)
Pre-Provision Earnings per Share 0.64 0.58 10.34 0.62 12.90

   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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