Financial Highlights Report

Financial Highlights
2017 FQ1 YTD
3/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 9,061,234 9,063,895 8,728,196 8,609,936 7,564,651
Total Net Loans 5,323,548 5,402,330 5,169,379 4,823,243 4,259,514
Total Deposits 7,300,179 7,376,110 7,088,937 7,006,212 6,133,750
Equity Attributable to Parent Company 1,001,596 982,593 950,493 908,924 801,581
Total Equity 1,001,596 982,593 950,493 908,924 801,581
Profitability (%)
Net Income($000) 23,126 95,636 86,795 84,401 86,136
Net Income Attributable to Parent($000) 23,126 95,636 86,795 84,401 86,136
ROAA 1.04 1.10 1.02 1.06 1.16
Core ROAA 1.06 1.11 1.09 1.13 1.17
ROAE 9.35 9.93 9.37 9.86 11.05
ROATCE NA 13.12 12.54 13.08 14.74
Core ROAE 9.54 10.05 10.01 10.48 11.17
Net Interest Margin 3.44 3.57 3.46 3.49 3.54
Reported: Net Interest Margin 3.49 3.57 3.46 3.49 3.54
Efficiency Ratio 63.64 61.22 61.67 62.72 61.98
Noninterest Inc/ Operating Rev 29.70 32.06 31.31 30.62 32.29
Balance Sheet Ratios (%)
Loans/ Deposits 73.65 73.44 73.26 69.32 70.17
Securities/ Assets 24.11 23.84 23.97 26.97 28.82
Total Equity/ Total Assets 11.05 10.84 10.89 10.56 10.60
Tangible Equity/ Tangible Assets 8.53 8.60 8.64 8.22 8.32
Tang Common Equity/ Tang Assets 8.53 8.60 8.64 8.22 8.32
Asset Quality (%)
NPAs/ Assets 1.11 1.16 1.01 1.12 1.74
NPA Excl Restructured/ Assets 0.93 0.91 0.83 0.88 1.45
NPAs & 90+ PD/ Assets 1.16 1.20 1.07 1.15 1.77
NPAs/ Loans & REO 1.86 1.92 1.68 1.97 3.02
Nonaccrual & 90+ & OREO/ Assets 0.98 0.96 0.90 0.91 1.48
NPAs & 90+ PD/ Loans & REO 1.94 1.98 1.78 2.02 3.07
NPA & Loans 90+/ Tangible Common Equity + LLR 12.67 13.03 11.53 12.99 19.17
NCOs/ Avg Loans 0.13 0.20 0.08 0.10 0.21
Loan Loss Reserves/ Gross Loans 1.41 1.39 1.46 1.52 1.96
Reserves/ NPAs 75.94 72.48 87.23 76.74 64.79
Loan Loss Provision/ NCO 100.99 94.31 162.24 (146.60) (67.70)
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 800,777 814,273 781,339 727,229 659,606
Tier 1 Capital($000) 880,777 894,273 861,339 807,229 739,246
Tier 2 Capital($000) 76,231 80,215 84,817 NA NA
Total Capital($000) 957,008 974,488 946,156 897,769 829,443
Total Risk-weighted Assets($000) 6,406,358 6,438,902 6,158,646 5,558,564 4,952,621
Tier 1 Common Capital (CET1) Ratio(%) 12.50 12.65 12.69 13.08 13.31
Tier 1 Ratio(%) 13.75 13.89 13.99 14.52 14.93
Total Capital Ratio(%) 14.94 15.13 15.36 16.15 16.75
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.09 10.11 10.12 9.61 10.08
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 45,144,008 44,926,176 45,428,225 45,788,415 44,155,063
Avg Diluted Shares(actual) 45,238,908 44,910,396 45,646,418 45,210,561 44,044,602
Basic Book Value per Share 22.19 21.87 20.92 19.85 18.15
As-reported Book Value per Share 22.19 21.87 20.92 19.85 18.15
Basic Tangible Book Value per Share 16.65 16.92 16.19 15.07 13.89
Reported: Tangible Book Value 16.65 16.91 16.19 15.07 13.89
Common Dividends Declared per Share 0.24 0.88 0.80 0.64 0.41
EPS after Extra 0.51 2.13 1.90 1.87 1.96
EPS after Extra Growth(%) 13.30 12.10 1.60 (4.60) 54.30
Core EPS 0.52 2.16 2.03 1.99 1.98
Core EPS Growth(%) 12.50 6.20 2.10 0.30 49.80
Diluted EPS before Amortization NA 2.21 1.97 1.92 1.99
Pre-Provision Earnings per Share 0.50 2.22 2.03 1.86 1.87
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.