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 12,738,062 11,867,001 9,242,416 8,904,122 7,286,865
Total Net Loans 7,840,490 7,074,642 5,831,157 5,575,752 4,550,494
Total Deposits 7,063,811 6,952,683 6,369,892 6,722,918 4,700,461
Equity Attributable to Parent Company 1,870,509 1,736,954 1,460,452 1,311,141 1,144,496
Total Equity 1,874,520 1,738,125 1,461,239 1,311,922 1,146,550
Profitability (%)
Net Income($000) 147,944 212,579 112,558 126,709 (5,098)
Net Income Attributable to Parent($000) 145,894 210,973 111,650 125,342 (5,592)
ROAA 1.21 1.70 1.26 1.66 NA
Core ROAA 1.32 1.47 1.34 1.59 NA
ROAE 8.24 12.41 8.07 10.59 NA
ROATCE 10.23 16.11 11.75 16.89 NA
Core ROAE 8.99 10.74 8.60 10.14 NA
Net Interest Margin 3.76 3.81 4.74 4.50 2.35
Reported: Net Interest Margin 3.76 3.81 4.74 4.47 4.64
Efficiency Ratio 82.33 83.43 81.94 79.61 97.62
Noninterest Inc/ Operating Rev 76.40 73.65 68.88 73.76 88.60
Balance Sheet Ratios (%)
Loans/ Deposits 86.35 80.37 71.64 67.25 67.07
Securities/ Assets 10.38 10.98 13.36 14.59 15.34
Total Equity/ Total Assets 14.72 14.65 15.81 14.73 15.73
Tangible Equity/ Tangible Assets 12.68 12.38 12.87 11.53 11.72
Tang Common Equity/ Tang Assets 12.65 12.37 11.59 10.19 10.05
Asset Quality (%)
NPAs/ Assets 0.25 0.23 0.28 0.33 0.18
NPA Excl Restructured/ Assets 0.24 0.21 0.25 0.32 0.18
NPAs & 90+ PD/ Assets 0.27 0.23 0.28 0.33 0.21
NPAs/ Loans & REO 0.41 0.40 0.50 0.63 0.29
Nonaccrual & 90+ & OREO/ Assets 0.26 0.21 0.25 0.32 0.21
NPAs & 90+ PD/ Loans & REO 0.45 0.40 0.50 0.65 0.34
NPA & Loans 90+/ Tangible Common Equity + LLR 2.11 1.82 2.43 3.28 2.19
NCOs/ Avg Loans 0.48 0.06 0.09 0.15 NA
Loan Loss Reserves/ Gross Loans 0.69 0.66 0.71 0.61 0.07
Reserves/ NPAs 174.63 174.80 159.42 117.37 25.42
Loan Loss Provision/ NCO 123.20 334.69 429.01 593.48 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,602,400 1,469,642 1,051,869 932,575 690,256
Tier 1 Capital($000) 1,652,101 1,520,514 1,231,724 1,112,424 871,379
Tier 2 Capital($000) 41,139 33,353 NA NA NA
Total Capital($000) 1,693,240 1,553,867 1,275,023 1,148,736 875,670
Total Risk-weighted Assets($000) 8,754,900 8,225,684 6,476,962 6,004,465 4,896,737
Tier 1 Common Capital (CET1) Ratio(%) 18.30 17.87 16.24 15.53 14.10
Tier 1 Ratio(%) 18.87 18.48 19.02 18.53 17.72
Total Capital Ratio(%) 19.34 18.89 19.69 19.13 17.81
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 13.51 12.65 14.17 12.81 13.08
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 98,543,774 98,896,184 90,181,888 90,175,688 83,487,340
Avg Diluted Shares(actual) 98,629,000 99,962,000 90,573,000 90,331,000 58,754,000
Basic Book Value per Share 18.98 17.56 14.93 13.27 12.34
As-reported Book Value per Share 18.98 17.56 14.93 13.27 12.34
Basic Tangible Book Value per Share 15.97 14.46 11.47 9.70 8.37
Reported: Tangible Book Value 15.97 14.46 11.47 9.70 8.37
Common Dividends Declared per Share 0.06 0 0 0 0
EPS after Extra 1.48 2.09 1.17 1.40 (0.10)
EPS after Extra Growth(%) (29.20) 78.60 (16.40) NM NA
Core EPS 1.61 1.80 1.25 1.34 (0.01)
Core EPS Growth(%) (10.50) 44.20 (6.70) NM NA
Diluted EPS before Amortization 1.58 2.21 1.29 1.52 (0.07)
Pre-Provision Earnings per Share 1.86 1.54 1.34 1.56 0.03
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