Financial Highlights

Financial Highlights
2017 FQ2 YTD
6/30/2017
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 13,859,217 13,441,422 7,912,648 7,140,330 6,475,199
Total Net Loans 10,753,272 10,486,774 6,180,206 5,525,745 5,050,971
Total Deposits 10,955,101 10,642,035 6,340,976 5,693,452 5,148,057
Equity Attributable to Parent Company 1,906,294 1,855,473 938,095 882,773 809,374
Total Equity 1,906,294 1,855,473 938,095 882,773 809,374
Profitability (%)
Net Income($000) 76,897 113,747 92,258 88,615 81,755
Net Income Attributable to Parent($000) 76,897 113,747 92,258 88,615 81,755
ROAA 1.15 1.10 1.25 1.30 1.35
Core ROAA 1.18 1.21 1.27 1.31 1.42
ROAE 8.18 8.47 10.11 10.44 10.37
ROATCE 11.12 10.50 11.56 12.11 12.07
Core ROAE 8.38 9.33 10.26 10.57 10.88
Net Interest Margin 3.72 3.75 3.88 4.13 4.46
Reported: Net Interest Margin 3.76 3.75 3.88 4.13 4.46
Efficiency Ratio 48.03 46.86 47.44 47.81 45.25
Noninterest Inc/ Operating Rev 12.68 12.28 13.36 14.08 14.42
Balance Sheet Ratios (%)
Loans/ Deposits 98.73 99.07 98.54 97.75 98.56
Securities/ Assets 12.31 11.77 13.03 11.56 11.36
Total Equity/ Total Assets 13.75 13.80 11.86 12.36 12.50
Tangible Equity/ Tangible Assets 10.64 10.60 10.63 11 10.98
Tang Common Equity/ Tang Assets 10.64 10.60 10.63 11 10.98
Asset Quality (%)
NPAs/ Assets NA 0.81 1.37 1.74 1.49
NPA Excl Restructured/ Assets NA 0.44 0.76 0.94 0.97
NPAs & 90+ PD/ Assets NA 0.95 1.53 2.17 2.17
NPAs/ Loans & REO NA 1.03 1.73 2.22 1.90
Nonaccrual & 90+ & OREO/ Assets NA 0.59 0.92 1.37 1.64
NPAs & 90+ PD/ Loans & REO NA 1.22 1.94 2.77 2.76
NPA & Loans 90+/ Tangible Common Equity + LLR NA 8.84 13.36 18.39 18.32
NCOs/ Avg Loans 0.15 0.07 (0.01) 0.23 0.42
Loan Loss Reserves/ Gross Loans 0.74 0.75 1.22 1.21 1.32
Reserves/ NPAs NA 73.17 70.43 54.66 69.75
Loan Loss Provision/ NCO 109.58 148.39 NM 103.59 101.93
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,438,907 1,400,246 833,868 771,731 695,684
Tier 1 Capital($000) 1,535,333 1,496,153 874,771 812,464 751,204
Tier 2 Capital($000) 83,710 82,537 78,361 NA NA
Total Capital($000) 1,619,043 1,578,690 953,132 881,794 819,408
Total Risk-weighted Assets($000) 11,814,607 11,575,944 6,905,154 5,956,129 5,498,694
Tier 1 Common Capital (CET1) Ratio(%) 12.18 12.10 12.08 12.96 12.65
Tier 1 Ratio(%) 13 12.92 12.67 13.64 13.66
Total Capital Ratio(%) 13.70 13.64 13.80 14.80 14.93
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.80 11.49 11.53 11.62 11.98
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 135,297,678 135,240,079 79,566,356 79,503,552 79,441,525
Avg Diluted Shares(actual) 135,685,064 103,530,318 79,611,800 79,611,037 79,260,703
Basic Book Value per Share 14.09 13.72 11.79 11.10 10.19
As-reported Book Value per Share 14.09 13.72 11.79 11.10 10.18
Basic Tangible Book Value per Share 10.52 10.15 10.43 9.73 8.80
Reported: Tangible Book Value 10.52 10.15 10.43 9.72 8.79
Common Dividends Declared per Share 0.24 0.45 0.42 0.35 0.25
EPS after Extra 0.57 1.10 1.16 1.11 1.03
EPS after Extra Growth(%) (3.40) (5.20) 4.50 7.80 4
Core EPS 0.58 1.21 1.18 1.12 1.08
Core EPS Growth(%) (5.20) 2.80 4.90 3.90 5.50
Diluted EPS before Amortization 0.58 1.12 1.17 1.13 1.05
Pre-Provision Earnings per Share 0.65 1.36 1.34 1.30 1.30
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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