Financial Highlights

Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 7,320,596 6,780,249 6,438,129 6,042,338 5,800,948
Total Net Loans 6,168,647 5,674,715 5,358,276 4,952,184 4,770,485
Total Deposits 5,233,611 4,871,343 4,611,076 4,306,018 3,958,106
Equity Attributable to Parent Company 890,368 803,830 695,544 667,485 641,818
Total Equity 899,825 812,583 702,749 673,486 646,605
Profitability (%)
Net Income($000) 64,391 53,619 55,224 52,368 45,325
Net Income Attributable to Parent($000) 61,924 50,518 52,362 49,782 43,288
ROAA 1.20 0.81 0.88 0.90 0.82
Core ROAA 1.21 0.81 0.86 0.88 0.78
ROAE 9.83 6.87 7.94 7.90 7.14
ROATCE 12.01 8.26 9.96 10.17 9.51
Core ROAE 9.99 6.95 7.83 7.86 6.90
Net Interest Margin 3.61 3.57 3.44 3.54 3.62
Reported: Net Interest Margin 3.62 3.57 3.44 3.54 3.61
Efficiency Ratio 54.36 55.76 56.22 56.84 60.91
Noninterest Inc/ Operating Rev 8.71 8.52 10.01 9.41 8.34
Balance Sheet Ratios (%)
Loans/ Deposits 118.99 117.64 117.08 116.01 121.84
Securities/ Assets 9.82 10.46 10.49 11.14 10.79
Total Equity/ Total Assets 12.29 11.98 10.92 11.15 11.15
Tangible Equity/ Tangible Assets 10.24 10.08 8.85 8.91 8.76
Tang Common Equity/ Tang Assets 10.11 9.94 8.73 8.81 8.68
Asset Quality (%)
NPAs/ Assets 0.58 0.71 0.86 0.64 0.52
NPA Excl Restructured/ Assets 0.41 0.47 0.64 0.34 0.26
NPAs & 90+ PD/ Assets 0.78 0.75 0.97 0.78 0.62
NPAs/ Loans & REO 0.68 0.84 1.02 0.77 0.62
Nonaccrual & 90+ & OREO/ Assets 0.61 0.51 0.75 0.49 0.37
NPAs & 90+ PD/ Loans & REO 0.92 0.89 1.15 0.94 0.75
NPA & Loans 90+/ Tangible Common Equity + LLR 7.32 7.09 10.35 8.22 6.62
NCOs/ Avg Loans 0.07 0.25 0.25 0.09 0.07
Loan Loss Reserves/ Gross Loans 0.96 1.02 0.99 1.13 1.11
Reserves/ NPAs 141.59 122.24 96.94 146.88 178.95
Loan Loss Provision/ NCO 141.34 135.55 76.85 170.92 269.87
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 740,825 669,238 559,644 530,505 NA
Tier 1 Capital($000) 759,774 687,299 575,830 545,035 504,964
Tier 2 Capital($000) 135,578 134,074 128,845 131,674 NA
Total Capital($000) 895,352 821,373 704,675 676,709 633,421
Total Risk-weighted Assets($000) 6,034,353 5,568,264 5,338,970 4,997,033 4,785,268
Tier 1 Common Capital (CET1) Ratio(%) 12.28 12.02 10.48 10.62 NA
Tier 1 Ratio(%) 12.59 12.34 10.79 10.91 10.55
Total Capital Ratio(%) 14.84 14.75 13.20 13.54 13.24
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.62 10.43 9.16 9.37 9.01
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 80,885,855 77,255,030 71,037,349 70,882,891 70,703,874
Avg Diluted Shares(actual) 79,740,992 74,811,408 70,444,083 70,235,868 70,054,815
Basic Book Value per Share 11.01 10.40 9.79 9.42 9.08
Book Value per Share, As Reported 11.08 10.49 9.88 9.51 9.16
Basic Tangible Book Value per Share 8.94 8.54 7.74 7.32 6.94
Tangible Book Value per Share, As Reported 9 8.61 7.81 7.39 7
Common Dividends Declared per Share 0.29 0.36 0.36 0.36 0.34
EPS after Extra 0.78 0.68 0.74 0.71 0.62
EPS after Extra Growth(%) 32.20 (8.10) 4.20 14.50 19.20
Core EPS 0.79 0.68 0.72 0.70 0.59
Core EPS Growth(%) 64.60 (5.70) 3.20 17.80 11.30
Diluted EPS before Amortization 0.80 0.71 0.78 0.75 0.67
Pre-Provision Earnings per Share 0.87 0.88 0.84 0.79 0.69
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