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Financial Highlights

Select Period: Financial Charting
  2016 FQ4 2015 FQ4   2016 FQ3  
Period Ended 12/31/2016 12/31/2015 Y-Y Ch (%) 9/30/2016 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets  6,243,700 4,894,495 27.57 6,226,601 1.10
Total Net Loans  4,533,586 3,842,883 17.97 4,657,691 (10.66)
Total Deposits  4,429,701 3,231,953 37.06 4,504,560 (6.65)
Equity Attributable to Parent Company  629,284 465,275 35.25 586,028 29.52
Total Equity  629,284 465,275 35.25 586,028 29.52
Profitability (%)   
Net Income ($000)   2,294 8,678 (73.57) 27,701 (366.87)
Net Income Attributable to Parent ($000)   2,294 8,678 (73.57) 27,701 (366.87)
ROAA  0.15 0.71 (56)  bp 1.79 (164)  bp
Core ROAA  0.09 0.69 (60)  bp 1.84 (175)  bp
ROAE  1.49 7.38 (589)  bp 18.83 (1,734)  bp
ROATCE  1.80 8.00 (620)  bp 20.07 (1,827)  bp
Core ROAE  0.87 7.09 (622)  bp 19.29 (1,842)  bp
Net Interest Margin  3.44 3.62 (18)  bp 3.35 9  bp
Reported: Net Interest Margin  3.42 3.61 (19)  bp 3.34 8  bp
Efficiency Ratio  97.23 88.07 916  bp 70.36 2,687  bp
Noninterest Inc / Operating Rev  59.57 61.55 (198)  bp 70.47 (1,090)  bp
Balance Sheet Ratios (%)   
Loans / Deposits  86.98 99.69 (1,271)  bp 84.32 266  bp
Securities / Assets  17.36 12.66 470  bp 16.65 71  bp
Total Equity / Total Assets  10.08 9.51 57  bp 9.41 67  bp
Tangible Equity / Tangible Assets  9.63 9.14 49  bp 8.99 64  bp
Tang Common Equity / Tang Assets  9.63 9.14 49  bp 8.99 64  bp
Asset Quality (%)   
NPAs / Assets  1.05 1.60 (55)  bp 1.20 (15)  bp
NPA Excl Restructured / Assets  0.38 0.48 (10)  bp 0.49 (11)  bp
NPAs & 90+ PD / Assets  NA 1.60 NA  bp 1.20 NA  bp
NPAs / Loans & REO  1.43 2.02 (59)  bp 1.58 (15)  bp
Nonaccrual & 90+ & OREO / Assets  NA 0.48 NA  bp 0.49 NA  bp
NPAs & 90+ PD / Loans & REO  NA 2.02 NA  bp 1.58 NA  bp
NPA & Loans 90+ / Tangible Common Equity + LLR  NA 16.50 NA  bp 12.58 NA  bp
NCOs / Avg Loans  0.03 (0.09) 12  bp 0 3  bp
Loan Loss Reserves / Gross Loans  0.74 0.76 (2)  bp 0.72 2  bp
Reserves / NPAs  52.02 37.39 1,463  bp 45.65 637  bp
Loan Loss Provision / NCO  109.72 NM NM NM NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)   555,595 423,005 31.34 522,889 25.02
Tier 1 Capital ($000)   615,141 480,038 28.14 582,489 22.42
Tier 2 Capital ($000)   NA 30,659 NA 35,234 NA
Total Capital ($000)   650,351 510,697 27.35 617,723 21.13
Total Risk-weighted Assets ($000)   5,177,956 4,020,264 5,177,956 5,042,699 5,177,956
Tier 1 Common Capital (CET1) Ratio (%)   10.73 10.52 21  bp 10.37 36  bp
Tier 1 Ratio (%)   11.88 11.94 (6)  bp 11.55 33  bp
Total Capital Ratio (%)   12.56 12.70 (14)  bp 12.25 31  bp
Liquidity Coverage Ratio (%)   NA NA NA NA NA
Leverage Ratio (%)   9.87 9.95 (8)  bp 9.52 35  bp
Supplementary Leverage Ratio (%)   NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual)   26,800,183 22,076,534 21.40 24,833,008 31.69
Avg Diluted Shares (actual)   25,588,691 22,297,183 14.76 24,996,747 9.47
Basic Book Value per Share  23.48 21.08 11.39 23.60 (2.03)
As-reported Book Value per Share  23.48 21.08 11.39 23.60 (2.03)
Basic Tangible Book Value per Share  22.33 20.18 10.65 22.45 (2.14)
Reported: Tangible Book Value  22.33 20.16 10.76 22.45 (2.14)
Common Dividends Declared per Share  0 0 0 0 0
EPS after Extra  0.09 0.39 (76.92) 1.11 (367.57)
EPS after Extra Growth (%)   (76.9) 2.60 (7,955)  bp 146.70 (22,359)  bp
Core EPS  0.05 0.37 (86.49) 1.14 (382.46)
Core EPS Growth (%)   (85.9) (0.6) (8,533)  bp 167.20 (25,320)  bp
Diluted EPS before Amortization  0.11 0.41 (73.17) 1.13 (361.06)
Pre-Provision Earnings per Share  0.04 0.33 (87.88) 1.16 (386.21)
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.