Financial Highlights

Financial Highlights
2017 FQ2
6/30/2017
2016 FQ2
6/30/2016
Y-Y Ch (%)
2017 FQ1
3/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 8,872,272 8,529,566 4.02 8,764,711 4.91
Total Net Loans 6,559,256 6,198,113 5.83 6,351,501 13.08
Total Deposits 7,202,025 6,702,487 7.45 7,230,850 (1.59)
Equity Attributable to Parent Company 1,271,786 1,124,256 13.12 1,251,065 6.63
Total Equity 1,271,786 1,124,256 13.12 1,251,065 6.63
Profitability (%)
Net Income($000) 25,284 22,900 10.41 23,972 21.89
Net Income Attributable to Parent($000) 25,284 22,900 10.41 23,972 21.89
ROAA 1.16 1.07 9 bp 1.09 7 bp
Core ROAA 1.29 1.17 12 bp 1.15 14 bp
ROAE 8.03 8.17 (14) bp 7.69 34 bp
ROATCE 13.70 15.16 (146) bp 13.27 43 bp
Core ROAE 8.97 8.93 4 bp 8.09 88 bp
Net Interest Margin 4.25 4.27 (2) bp 3.96 29 bp
Reported: Net Interest Margin 4.27 4.29 (2) bp 4.01 26 bp
Efficiency Ratio 60.03 62.67 (264) bp 61.91 (188) bp
Noninterest Inc/ Operating Rev 30.09 30.79 (70) bp 30.20 (11) bp
Balance Sheet Ratios (%)
Loans/ Deposits 88.46 89 (54) bp 86.24 222 bp
Securities/ Assets NA 12.82 NA 12 NA
Total Equity/ Total Assets 14.33 13.18 115 bp 14.27 6 bp
Tangible Equity/ Tangible Assets 9.31 7.80 151 bp 9.16 15 bp
Tang Common Equity/ Tang Assets 9.31 7.80 151 bp 9.16 15 bp
Asset Quality Ratios (%)
NPAs/ Assets 0.58 0.84 (26) bp 0.76 (18) bp
NPA Excl Restructured/ Assets 0.42 0.71 (29) bp 0.59 (17) bp
NPAs & 90+ PD/ Assets 0.69 1.02 (33) bp 0.92 (23) bp
NPAs/ Loans & REO 0.78 1.15 (37) bp 1.03 (25) bp
NCOs/ Avg Loans 0.03 0.01 2 bp 0.08 (5) bp
Loan Loss Reserves/ Gross Loans 0.67 0.71 (4) bp 0.67 0 bp
Reserves/ NPAs 85.69 61.41 2,428 bp 64.74 2,095 bp
Loan Loss Provision/ NCO 333.97 NM NM 114.16 21,981 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 797,620 648,272 23.04 778,273 9.94
Tier 1 Capital($000) 880,239 739,605 19.01 860,684 9.09
Tier 2 Capital($000) 146,677 48,422 202.91 145,409 3.49
Total Capital($000) 1,026,916 788,027 30.31 1,006,093 8.28
Total Risk-weighted Assets($000) 6,846,524 6,399,052 6,846,524 6,657,771 6,846,524
Tier 1 Common Capital (CET1) Ratio(%) 11.65 10.13 152 bp 11.69 (4) bp
Tier 1 Ratio(%) 12.86 11.56 130 bp 12.93 (7) bp
Total Capital Ratio(%) 15 12.31 269 bp 15.11 (11) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.68 9.18 150 bp 10.39 29 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Info ($)
Common Shares Outstanding(actual) 44,430,335 42,085,690 5.57 44,394,707 0.32
Avg Diluted Shares(actual) 44,523,541 42,303,626 5.25 44,480,499 0.39
Basic Book Value per Share 28.62 26.71 7.15 28.18 6.25
As-reported Book Value per Share 28.62 26.71 7.15 28.18 6.25
Basic Tangible Book Value per Share 17.56 14.88 18.01 17.07 11.48
Reported: Tangible Book Value 17.56 14.88 18.01 17.07 11.48
Common Dividends Declared per Share 0.18 0.18 0 0.18 0
EPS after Extra 0.57 0.54 5.56 0.54 22.22
EPS after Extra Growth(%) 5.60 12.50 (694) bp 3.80 171 bp
Core EPS 0.64 0.59 8.47 0.57 49.12
Core EPS Growth(%) 7.80 10.80 (301) bp 0.80 696 bp
Diluted EPS before Amortization 0.60 0.58 3.45 0.58 13.79
Pre-Provision Earnings per Share 0.62 0.57 8.77 0.54 59.26

   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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