Financial Highlights

Financial Highlights
2016 FQ4
12/31/2016
2016 FQ3
9/30/2016
2016 FQ2
6/30/2016
2016 FQ1
3/31/2016
2015 FQ4
12/31/2015
Balance Sheet ($000)
Total Assets 6,005,430 5,821,786 5,556,197 5,517,359 5,032,872
Total Net Loans 5,615,886 5,470,117 5,190,208 5,038,134 4,678,262
Total Deposits 4,395,426 4,159,264 3,780,266 3,439,756 3,184,310
Equity Attributable to Parent Company 565,868 555,291 549,611 539,907 493,947
Total Equity 565,868 555,291 549,611 539,907 493,947
Profitability (%)
Net Income($000) 732 10,537 11,208 50,037 11,384
Net Income Attributable to Parent($000) 732 10,537 11,208 50,037 11,384
ROAA 0.05 0.75 0.81 3.87 0.93
Core ROAA 0.55 0.75 0.81 0.44 0.93
ROAE 0.52 7.63 8.23 39.47 9.32
ROATCE 0.58 8.46 9.14 44.30 10.48
Core ROAE 5.77 7.63 8.23 4.51 9.32
Net Interest Margin 2.67 2.59 2.68 2.80 2.88
Reported: Net Interest Margin 2.67 2.59 2.68 2.80 2.88
Efficiency Ratio 46.13 48.73 47.71 49.44 45.69
Noninterest Inc/ Operating Rev 4.58 5.53 6.09 4.19 4.92
Balance Sheet Ratios (%)
Loans/ Deposits 128.23 132 137.80 147.01 147.50
Securities/ Assets 1.07 1.18 1.28 1.55 1.60
Total Equity/ Total Assets 9.42 9.54 9.89 9.79 9.81
Tangible Equity/ Tangible Assets 8.58 8.67 8.98 8.87 8.81
Tang Common Equity/ Tang Assets 8.58 8.67 8.98 8.87 8.81
Asset Quality (%)
NPAs/ Assets 0.24 0.24 0.26 0.21 0.24
NPA Excl Restructured/ Assets 0.09 0.09 0.10 0.05 0.06
NPAs & 90+ PD/ Assets 0.29 0.28 0.34 0.29 0.33
NPAs/ Loans & REO 0.25 0.25 0.28 0.23 0.26
Nonaccrual & 90+ & OREO/ Assets 0.14 0.13 0.18 0.13 0.15
NPAs & 90+ PD/ Loans & REO 0.31 0.29 0.36 0.32 0.35
NPA & Loans 90+/ Tangible Common Equity + LLR 3.25 3.09 3.69 3.23 3.63
NCOs/ Avg Loans 0 0 0 0 0
Loan Loss Reserves/ Gross Loans 0.36 0.37 0.36 0.37 0.39
Reserves/ NPAs 144.66 144.30 131.41 160.84 153.50
Loan Loss Provision/ NCO NM NM NM NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 507,732 502,681 492,698 447,111
Tier 1 Capital($000) NA 576,247 571,196 561,213 515,626
Tier 2 Capital($000) NA 20,074 18,959 18,538 18,564
Total Capital($000) NA 596,321 590,155 579,751 534,190
Total Risk-weighted Assets($000) NA 4,516,382 4,221,599 4,261,108 3,832,120
Tier 1 Common Capital (CET1) Ratio(%) NA 11.24 11.91 11.57 11.67
Tier 1 Ratio(%) NA 12.76 13.53 13.17 13.45
Total Capital Ratio(%) NA 13.20 13.98 13.61 13.94
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.03 10.29 10.48 10.97 10.70
Supplementary Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 37,455,853 37,543,852 37,654,771 37,399,150 37,371,992
Avg Diluted Shares(actual) 36,803,342 36,788,307 36,818,585 36,662,951 36,521,748
Basic Book Value per Share 15.11 14.79 14.60 14.44 13.22
As-reported Book Value per Share 15.11 14.79 14.60 14.44 13.22
Basic Tangible Book Value per Share 13.62 13.31 13.12 12.95 11.73
Reported: Tangible Book Value 13.78 13.52 13.35 13.18 11.96
Common Dividends Declared per Share 0.14 0.14 0.14 0.14 0.14
EPS after Extra 0.02 0.29 0.30 1.36 0.31
EPS after Extra Growth(%) (93.50) 3.60 (6.30) 312.10 (6.10)
Core EPS 0.22 0.29 0.30 0.15 0.31
Core EPS Growth(%) (28.70) 3.60 (6.20) (36.30) (0.70)
Diluted EPS before Amortization 0.02 0.29 0.30 1.36 0.31
Pre-Provision Earnings per Share 0.38 0.34 0.35 0.32 0.34
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