Financial Highlights

Financial Highlights
2018 FQ1
3/31/2018
2017 FQ1
3/31/2017
Y-Y Ch (%)
2017 FQ4
12/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 10,238,313 8,764,711 16.81 9,829,981 16.62
Total Net Loans 7,856,141 6,351,501 23.69 7,682,427 9.04
Total Deposits 8,357,769 7,230,850 15.58 7,921,075 22.05
Equity Attributable to Parent Company 1,532,765 1,251,065 22.52 1,514,983 4.69
Total Equity 1,532,765 1,251,065 22.52 1,514,983 4.69
Profitability (%)
Net Income($000) 33,826 23,972 41.11 16,511 419.48
Net Income Attributable to Parent($000) 33,826 23,972 41.11 16,511 419.48
ROAA 1.35 1.09 26 bp 0.64 71 bp
Core ROAA 1.41 1.15 26 bp 0.70 71 bp
ROAE 8.88 7.69 119 bp 4.35 453 bp
ROATCE 15.70 13.27 243 bp 7.99 771 bp
Core ROAE 9.31 8.09 122 bp 4.75 456 bp
Net Interest Margin 4.15 3.96 19 bp 4.33 (18) bp
Reported: Net Interest Margin 4.20 4.01 19 bp 4.25 (5) bp
Efficiency Ratio 59.89 61.91 (202) bp 57.30 259 bp
Noninterest Inc/ Operating Rev 27.56 30.20 (264) bp 25.75 181 bp
Balance Sheet Ratios (%)
Loans/ Deposits 92.11 86.24 587 bp 96.20 (409) bp
Securities/ Assets 9.39 12 (261) bp 7.02 237 bp
Total Equity/ Total Assets 14.97 14.27 70 bp 15.41 (44) bp
Tangible Equity/ Tangible Assets 9.36 9.16 20 bp 9.56 (20) bp
Tang Common Equity/ Tang Assets 9.36 9.16 20 bp 9.56 (20) bp
Asset Quality Ratios (%)
NPAs/ Assets 0.42 0.76 (34) bp 0.46 (4) bp
NPA Excl Restructured/ Assets 0.29 0.59 (30) bp 0.31 (2) bp
NPAs & 90+ PD/ Assets 0.50 0.92 (42) bp 0.55 (5) bp
NPAs/ Loans & REO 0.54 1.03 (49) bp 0.58 (4) bp
NCOs/ Avg Loans 0.08 0.08 0 bp 0.02 6 bp
Loan Loss Reserves/ Gross Loans 0.59 0.67 (8) bp 0.60 (1) bp
Reserves/ NPAs 107.61 64.74 4,287 bp 102.33 528 bp
Loan Loss Provision/ NCO 112.18 114.16 (198) bp 457.45 (34,527) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 917,501 778,273 17.89 896,733 9.26
Tier 1 Capital($000) 1,000,640 860,684 16.26 979,604 8.59
Tier 2 Capital($000) 163,553 145,409 12.48 163,322 0.57
Total Capital($000) 1,164,193 1,006,093 15.71 1,142,926 7.44
Total Risk-weighted Assets($000) 8,063,892 6,657,771 21.12 7,904,898 8.05
Tier 1 Common Capital (CET1) Ratio(%) 11.38 11.69 (31) bp 11.34 4 bp
Tier 1 Ratio(%) 12.41 12.93 (52) bp 12.39 2 bp
Total Capital Ratio(%) 14.44 15.11 (67) bp 14.46 (2) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.61 10.39 22 bp 10.18 43 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Info ($)
Common Shares Outstanding(actual) 49,392,978 44,394,707 11.26 49,321,231 0.58
Avg Diluted Shares(actual) 49,502,950 44,480,499 11.29 49,456,289 0.38
Basic Book Value per Share 31.03 28.18 10.11 30.72 4.04
As-reported Book Value per Share 31.03 28.18 10.11 30.72 4.04
Basic Tangible Book Value per Share 18.20 17.07 6.62 17.83 8.30
Reported: Tangible Book Value 18.20 17.07 6.62 17.83 8.30
Common Dividends Declared per Share 0.19 0.18 5.56 0.19 0
EPS after Extra 0.68 0.54 25.93 0.32 450
EPS after Extra Growth(%) 25.90 3.80 2,208 bp (41.80) 6,775 bp
Core EPS 0.71 0.57 24.56 0.35 411.43
Core EPS Growth(%) 25.60 0.80 2,477 bp (42.30) 6,789 bp
Diluted EPS before Amortization 0.71 0.58 22.41 0.35 411.43
Pre-Provision Earnings per Share 0.60 0.54 11.11 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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