Financial Highlights
2012 FY
12/31/2012
2013 FY
12/31/2013
2014 FY
12/31/2014
2015 FY
12/31/2015
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 7,286,865 8,904,122 9,242,416 11,867,001 12,738,062
Total Net Loans 4,550,494 5,575,752 5,831,157 7,074,642 7,840,490
Total Deposits 4,700,461 6,722,918 6,369,892 6,952,683 7,063,811
Equity Attributable to Parent Company 1,144,496 1,311,141 1,460,452 1,736,954 1,870,509
Total Equity 1,146,550 1,311,922 1,461,239 1,738,125 1,874,520
Profitability (%)
Net Income($000) (5,098) 126,709 112,558 212,579 147,944
Net Income Attributable to Parent($000) (5,592) 125,342 111,650 210,973 145,894
ROAA NA 1.66 1.26 1.70 1.21
Core ROAA NA 1.59 1.34 1.47 1.32
ROAE NA 10.59 8.07 12.41 8.24
ROATCE NA 16.89 11.75 16.11 10.23
Core ROAE NA 10.14 8.60 10.74 8.99
Net Interest Margin 2.35 4.50 4.74 3.81 3.76
Reported: Net Interest Margin 4.64 4.47 4.74 3.81 3.76
Efficiency Ratio 97.62 79.61 81.94 83.43 82.33
Noninterest Inc/ Operating Rev 88.60 73.76 68.88 73.65 76.40
Balance Sheet Ratios (%)
Loans/ Deposits 67.07 67.25 71.64 80.37 86.35
Securities/ Assets 15.34 14.59 13.36 10.98 10.38
Total Equity/ Total Assets 15.73 14.73 15.81 14.65 14.72
Tangible Equity/ Tangible Assets 11.72 11.53 12.87 12.38 12.68
Tang Common Equity/ Tang Assets 10.05 10.19 11.59 12.37 12.65
Asset Quality (%)
NPAs/ Assets 0.18 0.33 0.28 0.23 0.25
NPA Excl Restructured/ Assets 0.18 0.32 0.25 0.21 0.24
NPAs & 90+ PD/ Assets 0.21 0.33 0.28 0.23 0.27
NPAs/ Loans & REO 0.29 0.63 0.50 0.40 0.41
Nonaccrual & 90+ & OREO/ Assets 0.21 0.32 0.25 0.21 0.26
NPAs & 90+ PD/ Loans & REO 0.34 0.65 0.50 0.40 0.45
NPA & Loans 90+/ Tangible Common Equity + LLR 2.19 3.28 2.43 1.82 2.11
NCOs/ Avg Loans NA 0.15 0.09 0.06 0.48
Loan Loss Reserves/ Gross Loans 0.07 0.61 0.71 0.66 0.69
Reserves/ NPAs 25.42 117.37 159.42 174.80 174.63
Loan Loss Provision/ NCO NM 593.48 429.01 334.69 123.20
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 690,256 932,575 1,051,869 1,469,642 1,602,400
Tier 1 Capital($000) 871,379 1,112,424 1,231,724 1,520,514 1,652,101
Tier 2 Capital($000) NA NA NA 33,353 41,139
Total Capital($000) 875,670 1,148,736 1,275,023 1,553,867 1,693,240
Total Risk-weighted Assets($000) 4,896,737 6,004,465 6,476,962 8,225,684 8,754,900
Tier 1 Common Capital (CET1) Ratio(%) 14.10 15.53 16.24 17.87 18.30
Tier 1 Ratio(%) 17.72 18.53 19.02 18.48 18.87
Total Capital Ratio(%) 17.81 19.13 19.69 18.89 19.34
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 13.08 12.81 14.17 12.65 13.51
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 83,487,340 90,175,688 90,181,888 98,896,184 98,543,774
Avg Diluted Shares(actual) 58,754,000 90,331,000 90,573,000 99,962,000 98,629,000
Basic Book Value per Share 12.34 13.27 14.93 17.56 18.98
As-reported Book Value per Share 12.34 13.27 14.93 17.56 18.98
Basic Tangible Book Value per Share 8.37 9.70 11.47 14.46 15.97
Reported: Tangible Book Value 8.37 9.70 11.47 14.46 15.97
Common Dividends Declared per Share 0 0 0 0 0.06
EPS after Extra (0.10) 1.40 1.17 2.09 1.48
EPS after Extra Growth(%) NA NM (16.40) 78.60 (29.20)
Core EPS (0.01) 1.34 1.25 1.80 1.61
Core EPS Growth(%) NA NM (6.70) 44.20 (10.50)
Diluted EPS before Amortization (0.07) 1.52 1.29 2.21 1.58
Pre-Provision Earnings per Share 0.03 1.56 1.34 1.54 1.86
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