Financial Highlights
2017 FQ1 YTD
3/31/2017
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 12,338,427 12,738,062 11,867,001 9,242,416 8,904,122
Total Net Loans 7,292,870 7,840,490 7,074,642 5,831,157 5,575,752
Total Deposits 7,329,862 7,063,811 6,952,683 6,369,892 6,722,918
Equity Attributable to Parent Company 1,886,000 1,870,509 1,736,954 1,460,452 1,311,141
Total Equity 1,889,309 1,874,520 1,738,125 1,461,239 1,311,922
Profitability (%)
Net Income($000) 26,307 147,944 212,579 112,558 126,709
Net Income Attributable to Parent($000) 26,434 145,894 210,973 111,650 125,342
ROAA 0.87 1.21 1.70 1.26 1.66
Core ROAA 0.92 1.32 1.47 1.34 1.59
ROAE 5.62 8.24 12.41 8.07 10.59
ROATCE 7.04 10.23 16.11 11.75 16.89
Core ROAE 5.97 8.99 10.74 8.60 10.14
Net Interest Margin 3.50 3.76 3.81 4.74 4.50
Reported: Net Interest Margin 3.54 3.76 3.81 4.74 4.47
Efficiency Ratio 87.40 82.33 83.43 81.94 79.61
Noninterest Inc/ Operating Rev 74.67 76.40 73.65 68.88 73.76
Balance Sheet Ratios (%)
Loans/ Deposits 82.12 86.35 80.37 71.64 67.25
Securities/ Assets 12.43 10.38 10.98 13.36 14.59
Total Equity/ Total Assets 15.31 14.72 14.65 15.81 14.73
Tangible Equity/ Tangible Assets 13.24 12.68 12.38 12.87 11.53
Tang Common Equity/ Tang Assets 13.21 12.65 12.37 11.59 10.19
Asset Quality (%)
NPAs/ Assets 0.29 0.25 0.23 0.28 0.33
NPA Excl Restructured/ Assets 0.28 0.24 0.21 0.25 0.32
NPAs & 90+ PD/ Assets 0.29 0.27 0.23 0.28 0.33
NPAs/ Loans & REO 0.49 0.41 0.40 0.50 0.63
Nonaccrual & 90+ & OREO/ Assets 0.28 0.26 0.21 0.25 0.32
NPAs & 90+ PD/ Loans & REO 0.50 0.45 0.40 0.50 0.65
NPA & Loans 90+/ Tangible Common Equity + LLR 2.14 2.11 1.82 2.43 3.28
NCOs/ Avg Loans 0.01 0.48 0.06 0.09 0.15
Loan Loss Reserves/ Gross Loans 0.76 0.69 0.66 0.71 0.61
Reserves/ NPAs 158.71 174.63 174.80 159.42 117.37
Loan Loss Provision/ NCO NM 123.20 334.69 429.01 593.48
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,604,840 1,602,400 1,469,642 1,051,869 932,575
Tier 1 Capital($000) 1,654,189 1,652,101 1,520,514 1,231,724 1,112,424
Tier 2 Capital($000) 42,141 41,139 33,353 NA NA
Total Capital($000) 1,696,330 1,693,240 1,553,867 1,275,023 1,148,736
Total Risk-weighted Assets($000) 8,431,743 8,754,900 8,225,684 6,476,962 6,004,465
Tier 1 Common Capital (CET1) Ratio(%) 19.03 18.30 17.87 16.24 15.53
Tier 1 Ratio(%) 19.62 18.87 18.48 19.02 18.53
Total Capital Ratio(%) 20.12 19.34 18.89 19.69 19.13
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 13.98 13.51 12.65 14.17 12.81
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 98,407,385 98,543,774 98,896,184 90,181,888 90,175,688
Avg Diluted Shares(actual) 98,757,000 98,629,000 99,962,000 90,573,000 90,331,000
Basic Book Value per Share 19.17 18.98 17.56 14.93 13.27
As-reported Book Value per Share 19.17 18.98 17.56 14.93 13.27
Basic Tangible Book Value per Share 16.17 15.97 14.46 11.47 9.70
Reported: Tangible Book Value NA 15.97 14.46 11.47 9.70
Common Dividends Declared per Share 0.06 0.06 0 0 0
EPS after Extra 0.27 1.48 2.09 1.17 1.40
EPS after Extra Growth(%) (3.60) (29.20) 78.60 (16.40) NM
Core EPS 0.29 1.61 1.80 1.25 1.34
Core EPS Growth(%) (10.70) (10.50) 44.20 (6.70) NM
Diluted EPS before Amortization 0.29 1.58 2.21 1.29 1.52
Pre-Provision Earnings per Share 0.29 1.86 1.54 1.34 1.56
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