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 6,658,067 6,438,129 6,042,338 5,800,948 5,325,651
Total Net Loans 5,473,478 5,358,276 4,952,184 4,770,485 4,327,364
Total Deposits 4,709,419 4,611,076 4,306,018 3,958,106 3,835,006
Equity Attributable to Parent Company 795,618 695,544 667,485 641,818 614,412
Total Equity 803,059 702,749 673,486 646,605 618,716
Profitability (%)
Net Income($000) 29,646 55,224 52,368 45,325 37,802
Net Income Attributable to Parent($000) 28,325 52,362 49,782 43,288 36,015
ROAA 0.91 0.88 0.90 0.82 0.73
Core ROAA 0.66 0.86 0.88 0.78 0.75
ROAE 7.96 7.94 7.90 7.14 6.10
ROATCE 9.79 9.96 10.17 9.51 8.49
Core ROAE 5.85 7.83 7.86 6.90 6.29
Net Interest Margin 3.53 3.44 3.54 3.62 3.66
Reported: Net Interest Margin 3.56 3.44 3.54 3.61 3.64
Efficiency Ratio 57.04 56.22 56.84 60.91 61.44
Noninterest Inc/ Operating Rev 7.64 10.01 9.41 8.34 7.95
Balance Sheet Ratios (%)
Loans/ Deposits 117.58 117.08 116.01 121.84 113.75
Securities/ Assets 10.77 10.49 11.14 10.79 10.51
Total Equity/ Total Assets 12.06 10.92 11.15 11.15 11.62
Tangible Equity/ Tangible Assets 10.10 8.85 8.91 8.76 8.97
Tang Common Equity/ Tang Assets 9.99 8.73 8.81 8.68 8.89
Asset Quality (%)
NPAs/ Assets 0.93 0.86 0.64 0.52 0.58
NPA Excl Restructured/ Assets 0.71 0.64 0.34 0.26 0.34
NPAs & 90+ PD/ Assets 0.97 0.97 0.78 0.62 0.78
NPAs/ Loans & REO 1.12 1.02 0.77 0.62 0.70
Nonaccrual & 90+ & OREO/ Assets 0.75 0.75 0.49 0.37 0.54
NPAs & 90+ PD/ Loans & REO 1.17 1.15 0.94 0.75 0.95
NPA & Loans 90+/ Tangible Common Equity + LLR 9.03 10.35 8.22 6.62 8.22
NCOs/ Avg Loans 0.12 0.25 0.09 0.07 0.08
Loan Loss Reserves/ Gross Loans 1.17 0.99 1.13 1.11 1.11
Reserves/ NPAs 104.28 96.94 146.88 178.95 157.19
Loan Loss Provision/ NCO 419.55 76.85 170.92 269.87 318.28
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 657,593 559,644 530,505 NA 467,005
Tier 1 Capital($000) 674,278 575,830 545,035 504,964 480,472
Tier 2 Capital($000) 139,773 128,845 131,674 NA NA
Total Capital($000) 814,051 704,675 676,709 633,421 529,982
Total Risk-weighted Assets($000) 5,446,806 5,338,970 4,997,033 4,785,268 4,362,745
Tier 1 Common Capital (CET1) Ratio(%) 12.07 10.48 10.62 NA 10.70
Tier 1 Ratio(%) 12.38 10.79 10.91 10.55 11.01
Total Capital Ratio(%) 14.95 13.20 13.54 13.24 12.15
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.50 9.16 9.37 9.01 9.36
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 76,977,920 71,037,349 70,882,891 70,703,874 70,572,460
Avg Diluted Shares(actual) 72,837,971 70,444,083 70,235,868 70,054,815 69,883,924
Basic Book Value per Share 10.34 9.79 9.42 9.08 8.71
As-reported Book Value per Share 10.42 9.88 9.51 9.16 8.79
Basic Tangible Book Value per Share 8.45 7.74 7.32 6.94 6.51
Reported: Tangible Book Value 8.52 7.81 7.39 7 6.58
Common Dividends Declared per Share 0.18 0.36 0.36 0.34 0.34
EPS after Extra 0.39 0.74 0.71 0.62 0.52
EPS after Extra Growth(%) 8.30 4.20 14.50 19.20 (1.90)
Core EPS 0.28 0.72 0.70 0.59 0.53
Core EPS Growth(%) (20.10) 3.20 17.80 11.30 (12.10)
Diluted EPS before Amortization 0.40 0.78 0.75 0.67 0.59
Pre-Provision Earnings per Share 0.42 0.84 0.79 0.69 0.62
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