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
Balance Sheet ($000)
Total Assets 18,844,745 17,200,842 14,275,089 10,600,498
Total Net Loans 13,858,184 13,083,732 11,017,595 8,288,049
Total Deposits 16,031,113 14,549,863 12,030,624 8,931,043
Equity Attributable to Parent Company 2,058,674 1,891,529 1,591,502 1,000,928
Total Equity 2,058,674 1,891,529 1,591,502 1,000,928
Profitability (%)
Net Income($000) 153,328 259,798 194,244 147,951
Net Income Attributable to Parent($000) 153,328 259,798 194,244 147,951
ROAA 1.70 1.61 1.56 1.50
Core ROAA 1.69 NA 1.62 1.52
ROAE 15.39 14.67 14.67 15.35
ROATCE 18.23 17.83 17.70 18.74
Core ROAE 15.30 NA 15.18 15.56
Net Interest Margin 4.62 4.58 4.51 4.42
Reported: Net Interest Margin 4.62 4.58 4.51 4.42
Efficiency Ratio 42.58 43.02 45.12 47.40
Noninterest Inc/ Operating Rev 4.72 5.98 5.60 5.96
Balance Sheet Ratios (%)
Loans/ Deposits 87.16 90.65 92.37 94.03
Securities/ Assets 17.42 16.11 14.32 14.62
Total Equity/ Total Assets 10.92 11 11.15 9.44
Tangible Equity/ Tangible Assets 9.48 9.40 9.21 9.22
Tang Common Equity/ Tang Assets 9.48 9.40 9.21 8.55
Asset Quality (%)
NPAs/ Assets 0.56 0.82 1.14 1.98
NPA Excl Restructured/ Assets 0.32 0.51 0.65 1.18
NPAs & 90+ PD/ Assets 0.58 0.83 1.16 2.03
NPAs/ Loans & REO 0.75 1.07 1.46 2.48
Nonaccrual & 90+ & OREO/ Assets 0.35 0.52 0.67 1.23
NPAs & 90+ PD/ Loans & REO 0.78 1.08 1.49 2.54
NPA & Loans 90+/ Tangible Common Equity + LLR 5.79 8.33 11.82 21.15
NCOs/ Avg Loans 0 0.02 (0.06) (0.07)
Loan Loss Reserves/ Gross Loans 0.94 0.94 1.07 1.31
Reserves/ NPAs 125.20 87.99 73.03 52.60
Loan Loss Provision/ NCO NM 338.41 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,754,014 1,600,717 1,276,477 888,586
Tier 1 Capital($000) 1,833,226 1,675,871 1,341,011 1,007,278
Tier 2 Capital($000) 436,299 431,609 262,461 NA
Total Capital($000) 2,269,525 2,107,480 1,603,472 1,119,618
Total Risk-weighted Assets($000) 16,992,251 15,980,092 13,193,563 9,555,390
Tier 1 Common Capital (CET1) Ratio(%) 10.30 10.02 9.67 9.30
Tier 1 Ratio(%) 10.80 10.49 10.16 10.54
Total Capital Ratio(%) 13.40 13.19 12.15 11.72
Leverage Ratio(%) 9.90 9.93 9.80 9.72
Per Share Information ($)
Common Shares Outstanding(actual) 105,428,843 105,070,861 103,087,044 88,691,249
Avg Diluted Shares(actual) 104,941,000 103,843,000 95,219,000 87,506,000
Basic Book Value per Share 19.53 18 15.44 10.49
As-reported Book Value per Share 19.53 18 15.44 10.49
Basic Tangible Book Value per Share 16.67 15.12 12.48 10.20
Reported: Tangible Book Value 16.71 15.17 12.54 10.21
Common Dividends Declared per Share 0 0 0 0
EPS after Extra 1.46 2.50 2.03 1.67
EPS after Extra Growth(%) 22.70 23.20 21.60 27.50
Core EPS 1.45 NA 2.10 1.69
Core EPS Growth(%) 19.70 NA 24 27.80
Diluted EPS before Amortization 1.47 2.53 2.05 1.69
Pre-Provision Earnings per Share 1.33 2.38 1.83 1.48
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