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Financial Highlights

Select Period: Financial Charting
  2017 FQ1 2016 FQ1   2016 FQ4  
Period Ended 3/31/2017 3/31/2016 Y-Y Ch (%) 12/31/2016 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets  6,401,143 5,417,252 18.16 6,243,700 10.09
Total Net Loans  4,495,918 4,220,243 6.53 4,533,586 (3.32)
Total Deposits  4,595,809 3,823,027 20.21 4,429,701 15
Equity Attributable to Parent Company  640,919 529,132 21.13 629,284 7.40
Total Equity  640,919 529,132 21.13 629,284 7.40
Profitability (%)   
Net Income ($000)   8,983 6,407 40.21 2,294 1,166.35
Net Income Attributable to Parent ($000)   8,983 6,407 40.21 2,294 1,166.35
ROAA  0.57 0.51 6  bp 0.15 42  bp
Core ROAA  0.59 0.80 (21)  bp 0.11 48  bp
ROAE  5.53 5.02 51  bp 1.49 404  bp
ROATCE  6.02 5.55 47  bp 1.80 422  bp
Core ROAE  5.74 7.91 (217)  bp 1.08 466  bp
Net Interest Margin  3.23 3.56 (33)  bp 3.44 (21)  bp
Reported: Net Interest Margin  3.23 3.55 (32)  bp 3.42 (19)  bp
Efficiency Ratio  87.78 84.27 351  bp 96.80 (902)  bp
Noninterest Inc / Operating Rev  61.99 63.79 (180)  bp 59.57 242  bp
Balance Sheet Ratios (%)   
Loans / Deposits  86.88 92.99 (611)  bp 86.98 (10)  bp
Securities / Assets  19.25 13.49 576  bp 17.44 181  bp
Total Equity / Total Assets  10.01 9.77 24  bp 10.08 (7)  bp
Tangible Equity / Tangible Assets  9.58 9.28 30  bp 9.63 (5)  bp
Tang Common Equity / Tang Assets  9.58 9.28 30  bp 9.63 (5)  bp
Asset Quality (%)   
NPAs / Assets  1.02 1.34 (32)  bp 1.05 (3)  bp
NPA Excl Restructured / Assets  0.37 0.38 (1)  bp 0.38 (1)  bp
NPAs & 90+ PD / Assets  1.02 1.34 (32)  bp 1.05 (3)  bp
NPAs / Loans & REO  1.44 1.70 (26)  bp 1.43 1  bp
Nonaccrual & 90+ & OREO / Assets  0.37 0.38 (1)  bp 0.38 (1)  bp
NPAs & 90+ PD / Loans & REO  1.44 1.70 (26)  bp 1.43 1  bp
NPA & Loans 90+ / Tangible Common Equity + LLR  10.14 13.63 (349)  bp 10.33 (19)  bp
NCOs / Avg Loans  (0.07) (0.04) (3)  bp 0.03 (10)  bp
Loan Loss Reserves / Gross Loans  0.77 0.74 3  bp 0.74 3  bp
Reserves / NPAs  53.09 43.25 984  bp 52.02 107  bp
Loan Loss Provision / NCO  NM NM NM 109.72 NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)   531,055 464,347 14.37 550,510 (14.14)
Tier 1 Capital ($000)   589,958 521,080 13.22 608,988 (12.50)
Tier 2 Capital ($000)   36,043 32,423 11.16 35,264 8.84
Total Capital ($000)   626,001 553,503 13.10 644,252 (11.33)
Total Risk-weighted Assets ($000)   5,331,674 4,383,271 5,331,674 5,221,455 5,331,674
Tier 1 Common Capital (CET1) Ratio (%)   9.96 10.60 (64)  bp 10.54 (58)  bp
Tier 1 Ratio (%)   11.07 11.89 (82)  bp 11.66 (59)  bp
Total Capital Ratio (%)   11.74 12.63 (89)  bp 12.34 (60)  bp
Liquidity Coverage Ratio (%)   NA NA NA NA NA
Leverage Ratio (%)   9.45 10.50 (105)  bp 9.78 (33)  bp
Basel III Leverage Ratio (%)   NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual)   26,862,744 24,550,219 9.42 26,800,183 0.93
Avg Diluted Shares (actual)   27,057,449 23,877,376 13.32 25,588,691 22.96
Basic Book Value per Share  23.86 21.55 10.72 23.48 6.47
As-reported Book Value per Share  23.86 21.55 10.72 23.48 6.47
Basic Tangible Book Value per Share  22.73 20.37 11.59 22.33 7.17
Reported: Tangible Book Value  22.73 20.37 11.59 22.33 7.17
Common Dividends Declared per Share  0 0 0 0 0
EPS after Extra  0.33 0.27 22.22 0.09 1,066.67
EPS after Extra Growth (%)   22.20 (54.2) 7,646  bp (76.9) 9,914  bp
Core EPS  0.34 0.43 (20.93) 0.07 1,542.86
Core EPS Growth (%)   (19.7) (47.3) 2,762  bp (82.5) 6,285  bp
Diluted EPS before Amortization  0.35 0.29 20.69 0.11 872.73
Pre-Provision Earnings per Share  0.32 0.44 (27.27) 0.06 1,733.33
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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.