Financial Highlights

Financial Highlights
2017 FQ1
3/31/2017
2016 FQ4
12/31/2016
2016 FQ3
9/30/2016
2016 FQ2
6/30/2016
2016 FQ1
3/31/2016
Balance Sheet ($000)
Total Assets 6,095,370 6,005,430 5,821,786 5,556,197 5,517,359
Total Net Loans 5,731,195 5,615,886 5,470,117 5,190,208 5,038,134
Total Deposits 4,508,482 4,395,426 4,159,264 3,780,266 3,439,756
Equity Attributable to Parent Company 573,225 565,868 555,291 549,611 539,907
Total Equity 573,225 565,868 555,291 549,611 539,907
Profitability (%)
Net Income($000) 11,157 732 10,537 11,208 50,037
Net Income Attributable to Parent($000) 11,157 732 10,537 11,208 50,037
ROAA 0.74 0.05 0.75 0.81 3.87
Core ROAA 0.74 0.55 0.75 0.81 0.44
ROAE 7.83 0.52 7.63 8.23 39.47
ROATCE 8.66 0.56 8.46 9.14 44.30
Core ROAE 7.83 5.77 7.63 8.23 4.51
Net Interest Margin 2.57 2.67 2.59 2.68 2.80
Reported: Net Interest Margin 2.57 2.67 2.59 2.68 2.80
Efficiency Ratio 52.89 46.13 48.73 47.71 49.44
Noninterest Inc/ Operating Rev 4.53 4.58 5.53 6.09 4.19
Balance Sheet Ratios (%)
Loans/ Deposits 127.59 128.23 132 137.80 147.01
Securities/ Assets 1.04 1.11 1.18 1.28 1.55
Total Equity/ Total Assets 9.40 9.42 9.54 9.89 9.79
Tangible Equity/ Tangible Assets 8.57 8.58 8.67 8.98 8.87
Tang Common Equity/ Tang Assets 8.57 8.58 8.67 8.98 8.87
Asset Quality (%)
NPAs/ Assets 0.23 0.24 0.24 0.26 0.21
NPA Excl Restructured/ Assets 0.08 0.09 0.09 0.10 0.05
NPAs & 90+ PD/ Assets 0.24 0.29 0.28 0.34 0.29
NPAs/ Loans & REO 0.24 0.25 0.25 0.28 0.23
Nonaccrual & 90+ & OREO/ Assets 0.10 0.14 0.13 0.18 0.13
NPAs & 90+ PD/ Loans & REO 0.25 0.31 0.29 0.36 0.32
NPA & Loans 90+/ Tangible Common Equity + LLR 2.68 3.25 3.09 3.69 3.23
NCOs/ Avg Loans 0 0 0 0 0
Loan Loss Reserves/ Gross Loans 0.36 0.36 0.37 0.36 0.37
Reserves/ NPAs 152.75 144.66 144.30 131.41 160.84
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 523,102 516,170 507,732 502,681 492,698
Tier 1 Capital($000) 591,617 584,684 576,247 571,196 561,213
Tier 2 Capital($000) 20,979 20,561 20,074 18,959 18,538
Total Capital($000) 612,596 605,245 596,321 590,155 579,751
Total Risk-weighted Assets($000) 4,722,158 4,511,109 4,516,382 4,221,599 4,261,108
Tier 1 Common Capital (CET1) Ratio(%) 11.08 11.44 11.24 11.91 11.57
Tier 1 Ratio(%) 12.53 12.95 12.76 13.53 13.17
Total Capital Ratio(%) 12.98 13.41 13.20 13.98 13.61
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.91 10.03 10.29 10.48 10.97
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 37,569,348 37,455,853 37,543,852 37,654,771 37,399,150
Avg Diluted Shares(actual) 37,549,576 36,803,342 36,788,307 36,818,585 36,662,951
Basic Book Value per Share 15.26 15.11 14.79 14.60 14.44
As-reported Book Value per Share 15.26 15.11 14.79 14.60 14.44
Basic Tangible Book Value per Share 13.78 13.62 13.31 13.12 12.95
Reported: Tangible Book Value 13.92 13.78 13.52 13.35 13.18
Common Dividends Declared per Share 0.14 0.14 0.14 0.14 0.14
EPS after Extra 0.30 0.02 0.29 0.30 1.36
EPS after Extra Growth(%) (77.90) (93.50) 3.60 (6.30) 312.10
Core EPS 0.30 0.23 0.29 0.30 0.15
Core EPS Growth(%) 94.10 (26.50) 3.60 (6.20) (36.30)
Diluted EPS before Amortization 0.30 0.02 0.29 0.30 1.36
Pre-Provision Earnings per Share 0.32 0.39 0.34 0.35 0.32
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