Financial Highlights

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 13,442,488 7,912,648 7,140,330 6,475,199 5,640,661
Total Net Loans 10,486,774 6,180,206 5,525,745 5,050,971 4,280,946
Total Deposits 10,642,035 6,340,976 5,693,452 5,148,057 4,384,035
Equity Attributable to Parent Company 1,856,893 938,095 882,773 809,374 751,104
Total Equity 1,856,893 938,095 882,773 809,374 751,104
Profitability (%)
Net Income($000) 113,747 92,258 88,615 81,755 83,223
Net Income Attributable to Parent($000) 113,747 92,258 88,615 81,755 83,223
ROAA 1.10 1.25 1.30 1.35 1.59
Core ROAA 1.22 1.27 1.31 1.42 1.64
ROAE 8.47 10.11 10.44 10.37 10.73
ROATCE 10.50 11.56 12.11 12.07 12.60
Core ROAE 9.39 10.26 10.57 10.88 11.07
Net Interest Margin 3.75 3.88 4.13 4.46 4.88
Reported: Net Interest Margin 3.75 3.88 4.13 4.46 4.88
Efficiency Ratio 47.08 47.44 47.94 45.25 40.76
Noninterest Inc/ Operating Rev 12.28 13.36 14.30 14.42 13.97
Balance Sheet Ratios (%)
Loans/ Deposits 99.07 98.54 97.75 98.56 98
Securities/ Assets NA 13.03 11.56 11.36 12.91
Total Equity/ Total Assets 13.81 11.86 12.36 12.50 13.32
Tangible Equity/ Tangible Assets 10.60 10.63 11 10.98 11.86
Tang Common Equity/ Tang Assets 10.60 10.63 11 10.98 11.86
Asset Quality (%)
NPAs/ Assets NA 1.37 1.74 1.49 1.09
NPA Excl Restructured/ Assets NA 0.76 0.94 0.97 0.56
NPAs & 90+ PD/ Assets NA 1.53 2.17 2.17 1.40
NPAs/ Loans & REO NA 1.73 2.22 1.90 1.43
Nonaccrual & 90+ & OREO/ Assets NA 0.92 1.37 1.64 0.87
NPAs & 90+ PD/ Loans & REO NA 1.94 2.77 2.76 1.85
NPA & Loans 90+/ Tangible Common Equity + LLR NA 13.36 18.39 18.32 10.90
NCOs/ Avg Loans 0.07 (0.01) 0.23 0.42 0.36
Loan Loss Reserves/ Gross Loans 0.75 1.22 1.21 1.32 1.54
Reserves/ NPAs NA 70.43 54.66 69.75 109.17
Loan Loss Provision/ NCO 148.39 NM 103.59 101.93 135.35
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,400,643 833,868 771,731 695,684 648,000
Tier 1 Capital($000) 1,495,562 874,771 812,464 751,204 688,422
Tier 2 Capital($000) NA 78,361 NA NA NA
Total Capital($000) 1,578,906 953,132 881,794 819,408 746,396
Total Risk-weighted Assets($000) 11,575,559 6,905,154 5,956,129 5,498,694 4,617,710
Tier 1 Common Capital (CET1) Ratio(%) 12.10 12.08 12.96 12.65 14.03
Tier 1 Ratio(%) 12.92 12.67 13.64 13.66 14.91
Total Capital Ratio(%) 13.64 13.80 14.80 14.93 16.16
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.49 11.53 11.62 11.98 12.76
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 135,240,079 79,566,356 79,503,552 79,441,525 78,041,511
Avg Diluted Shares(actual) 103,530,318 79,611,800 79,611,037 79,260,703 78,091,116
Basic Book Value per Share 13.73 11.79 11.10 10.19 9.62
As-reported Book Value per Share 13.73 11.79 11.10 10.18 9.62
Basic Tangible Book Value per Share 10.15 10.43 9.73 8.80 8.43
Reported: Tangible Book Value 10.15 10.43 9.72 8.79 8.43
Common Dividends Declared per Share 0.45 0.42 0.35 0.25 0.05
EPS after Extra 1.10 1.16 1.11 1.03 0.99
EPS after Extra Growth(%) (5.20) 4.50 7.80 4 86.80
Core EPS 1.22 1.18 1.12 1.08 1.02
Core EPS Growth(%) 3.50 4.90 3.90 5.50 74.20
Diluted EPS before Amortization 1.12 1.17 1.13 1.05 1.01
Pre-Provision Earnings per Share 1.37 1.34 1.30 1.30 1.25
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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