Financial Highlights Report

Financial Highlights
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
2012 FY
12/31/2012
Balance Sheet ($000)
Total Assets 9,063,895 8,728,196 8,609,936 7,564,651 7,721,761
Total Net Loans 5,402,330 5,169,379 4,823,243 4,259,514 4,123,401
Total Deposits 7,376,110 7,088,937 7,006,212 6,133,750 6,240,411
Equity Attributable to Parent Company 982,593 950,493 908,924 801,581 751,186
Total Equity 982,593 950,493 908,924 801,581 751,186
Profitability (%)
Net Income($000) 95,636 86,795 84,401 86,136 58,224
Net Income Attributable to Parent($000) 95,636 86,795 84,401 86,136 58,224
ROAA 1.10 1.02 1.06 1.16 0.79
Core ROAA 1.11 1.09 1.13 1.17 0.82
ROAE 9.93 9.37 9.86 11.05 7.43
ROATCE 13.12 12.54 13.08 14.74 10.24
Core ROAE 10.05 10.01 10.48 11.17 7.72
Net Interest Margin 3.57 3.46 3.49 3.54 3.66
Reported: Net Interest Margin 3.57 3.46 3.49 3.54 3.66
Efficiency Ratio 61.22 61.67 62.72 61.98 59.62
Noninterest Inc/ Operating Rev 32.06 31.31 30.62 32.29 31.97
Balance Sheet Ratios (%)
Loans/ Deposits 73.44 73.26 69.32 70.17 66.62
Securities/ Assets 23.84 23.97 26.97 28.82 28.91
Total Equity/ Total Assets 10.84 10.89 10.56 10.60 9.73
Tangible Equity/ Tangible Assets 8.60 8.64 8.22 8.32 7.46
Tang Common Equity/ Tang Assets 8.60 8.64 8.22 8.32 7.46
Asset Quality (%)
NPAs/ Assets 1.16 1.01 1.12 1.74 2.23
NPA Excl Restructured/ Assets 0.91 0.83 0.88 1.45 1.82
NPAs & 90+ PD/ Assets 1.20 1.07 1.15 1.77 2.26
NPAs/ Loans & REO 1.92 1.68 1.97 3.02 4.05
Nonaccrual & 90+ & OREO/ Assets 0.96 0.90 0.91 1.48 1.85
NPAs & 90+ PD/ Loans & REO 1.98 1.78 2.02 3.07 4.10
NPA & Loans 90+/ Tangible Common Equity + LLR 13.03 11.53 12.99 19.17 26.37
NCOs/ Avg Loans 0.20 0.08 0.10 0.21 1.26
Loan Loss Reserves/ Gross Loans 1.39 1.46 1.52 1.96 2.38
Reserves/ NPAs 72.48 87.23 76.74 64.79 58.34
Loan Loss Provision/ NCO 94.31 162.24 (146.60) (67.70) 77.15
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 814,273 781,339 727,229 659,606 572,929
Tier 1 Capital($000) 894,273 861,339 807,229 739,246 652,929
Tier 2 Capital($000) 80,215 84,817 NA NA NA
Total Capital($000) 974,488 946,156 897,769 829,443 748,431
Total Risk-weighted Assets($000) 6,438,902 6,158,646 5,558,564 4,952,621 4,800,181
Tier 1 Common Capital (CET1) Ratio(%) 12.65 12.69 13.08 13.31 11.94
Tier 1 Ratio(%) 13.89 13.99 14.52 14.93 13.60
Total Capital Ratio(%) 15.13 15.36 16.15 16.75 15.59
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.11 10.12 9.61 10.08 8.81
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 44,926,176 45,428,225 45,788,415 44,155,063 43,290,323
Avg Diluted Shares(actual) 44,910,396 45,646,418 45,210,561 44,044,602 43,092,978
Basic Book Value per Share 21.87 20.92 19.85 18.15 17.35
As-reported Book Value per Share 21.87 20.92 19.85 18.15 17.35
Basic Tangible Book Value per Share 16.92 16.19 15.07 13.89 12.97
Reported: Tangible Book Value 16.91 16.19 15.07 13.89 12.97
Common Dividends Declared per Share 0.88 0.80 0.64 0.41 0.49
EPS after Extra 2.13 1.90 1.87 1.96 1.27
EPS after Extra Growth(%) 12.10 1.60 (4.60) 54.30 32.30
Core EPS 2.16 2.03 1.99 1.98 1.32
Core EPS Growth(%) 6.20 2.10 0.30 49.80 38
Diluted EPS before Amortization 2.21 1.97 1.92 1.99 1.30
Pre-Provision Earnings per Share 2.22 2.03 1.86 1.87 1.89
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.