Financial Highlights

Financial Highlights
2013 FY
12/31/2013
2014 FY
12/31/2014
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FQ3 YTD
9/30/2017
Balance Sheet ($000)
Total Assets 6,475,199 7,140,330 7,912,648 13,441,422 14,150,021
Total Net Loans 5,050,971 5,525,745 6,180,206 10,486,774 10,890,766
Total Deposits 5,148,057 5,693,452 6,340,976 10,642,035 10,993,320
Equity Attributable to Parent Company 809,374 882,773 938,095 1,855,473 1,934,431
Total Equity 809,374 882,773 938,095 1,855,473 1,934,431
Profitability (%)
Net Income($000) 81,755 88,615 92,258 113,747 121,461
Net Income Attributable to Parent($000) 81,755 88,615 92,258 113,747 121,461
ROAA 1.35 1.30 1.25 1.10 1.20
Core ROAA 1.42 1.31 1.27 1.21 1.22
ROAE 10.37 10.44 10.11 8.47 8.54
ROATCE 12.07 12.11 11.56 10.50 11.58
Core ROAE 10.88 10.57 10.26 9.33 8.72
Net Interest Margin 4.46 4.13 3.88 3.75 3.77
Reported: Net Interest Margin 4.46 4.13 3.88 3.75 3.78
Efficiency Ratio 45.25 47.81 47.44 46.86 46.37
Noninterest Inc/ Operating Rev 14.42 14.08 13.36 12.28 12.33
Balance Sheet Ratios (%)
Loans/ Deposits 98.56 97.75 98.54 99.07 99.72
Securities/ Assets 11.36 11.56 13.03 11.77 13.43
Total Equity/ Total Assets 12.50 12.36 11.86 13.80 13.67
Tangible Equity/ Tangible Assets 10.98 11 10.63 10.60 10.63
Tang Common Equity/ Tang Assets 10.98 11 10.63 10.60 10.63
Asset Quality (%)
NPAs/ Assets 1.49 1.74 1.37 0.81 NA
NPA Excl Restructured/ Assets 0.97 0.94 0.76 0.44 NA
NPAs & 90+ PD/ Assets 2.17 2.17 1.53 0.95 NA
NPAs/ Loans & REO 1.90 2.22 1.73 1.03 NA
Nonaccrual & 90+ & OREO/ Assets 1.64 1.37 0.92 0.59 NA
NPAs & 90+ PD/ Loans & REO 2.76 2.77 1.94 1.22 NA
NPA & Loans 90+/ Tangible Common Equity + LLR 18.32 18.39 13.36 8.84 NA
NCOs/ Avg Loans 0.42 0.23 (0.01) 0.07 0.12
Loan Loss Reserves/ Gross Loans 1.32 1.21 1.22 0.75 0.76
Reserves/ NPAs 69.75 54.66 70.43 73.17 NA
Loan Loss Provision/ NCO 101.93 103.59 NM 148.39 145.30
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 695,684 771,731 833,868 1,400,246 1,467,385
Tier 1 Capital($000) 751,204 812,464 874,771 1,496,153 1,564,074
Tier 2 Capital($000) NA NA 78,361 82,537 84,469
Total Capital($000) 819,408 881,794 953,132 1,578,690 1,648,543
Total Risk-weighted Assets($000) 5,498,694 5,956,129 6,905,154 11,575,944 11,935,561
Tier 1 Common Capital (CET1) Ratio(%) 12.65 12.96 12.08 12.10 12.29
Tier 1 Ratio(%) 13.66 13.64 12.67 12.92 13.10
Total Capital Ratio(%) 14.93 14.80 13.80 13.64 13.81
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.98 11.62 11.53 11.49 11.78
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 79,441,525 79,503,552 79,566,356 135,240,079 135,467,176
Avg Diluted Shares(actual) 79,260,703 79,611,037 79,611,800 103,530,318 135,661,965
Basic Book Value per Share 10.19 11.10 11.79 13.72 14.28
As-reported Book Value per Share 10.18 11.10 11.79 13.72 14.28
Basic Tangible Book Value per Share 8.80 9.73 10.43 10.15 10.72
Reported: Tangible Book Value 8.79 9.72 10.43 10.15 10.72
Common Dividends Declared per Share 0.25 0.35 0.42 0.45 0.37
EPS after Extra 1.03 1.11 1.16 1.10 0.90
EPS after Extra Growth(%) 4 7.80 4.50 (5.20) 13.90
Core EPS 1.08 1.12 1.18 1.21 0.92
Core EPS Growth(%) 5.50 3.90 4.90 2.80 3.40
Diluted EPS before Amortization 1.05 1.13 1.17 1.12 0.92
Pre-Provision Earnings per Share 1.30 1.30 1.34 1.36 1.03
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.
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