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Financial Highlights

Select Period: Financial Charting
  2017 FQ2 2016 FQ2   2017 FQ1  
Period Ended 6/30/2017 6/30/2016 Y-Y Ch (%) 3/31/2017 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets  6,586,557 5,941,178 10.86 6,401,143 11.59
Total Net Loans  4,940,980 4,471,739 10.49 4,495,918 39.60
Total Deposits  4,747,771 4,239,155 12 4,595,809 13.23
Equity Attributable to Parent Company  655,841 559,603 17.20 640,919 9.31
Total Equity  655,841 559,603 17.20 640,919 9.31
Profitability (%)   
Net Income ($000)   11,209 21,749 (48.46) 8,983 99.12
Net Income Attributable to Parent ($000)   11,209 21,749 (48.46) 8,983 99.12
ROAA  0.70 1.54 (84)  bp 0.57 13  bp
Core ROAA  0.70 1.61 (91)  bp 0.59 11  bp
ROAE  6.71 15.87 (916)  bp 5.53 118  bp
ROATCE  7.22 17.02 (980)  bp 6.02 120  bp
Core ROAE  6.75 16.58 (983)  bp 5.74 101  bp
Net Interest Margin  3.29 3.49 (20)  bp 3.23 6  bp
Reported: Net Interest Margin  3.29 3.48 (19)  bp 3.23 6  bp
Efficiency Ratio  86.22 74.12 1,210  bp 87.78 (156)  bp
Noninterest Inc / Operating Rev  63.19 69.72 (653)  bp 61.99 120  bp
Balance Sheet Ratios (%)   
Loans / Deposits  88.31 88.03 28  bp 86.88 143  bp
Securities / Assets  14.85 16.40 (155)  bp 19.25 (440)  bp
Total Equity / Total Assets  9.96 9.42 54  bp 10.01 (5)  bp
Tangible Equity / Tangible Assets  9.55 8.98 57  bp 9.58 (3)  bp
Tang Common Equity / Tang Assets  9.55 8.98 57  bp 9.58 (3)  bp
Asset Quality (%)   
NPAs / Assets  0.90 1.19 (29)  bp 1.02 (12)  bp
NPA Excl Restructured / Assets  0.29 0.40 (11)  bp 0.37 (8)  bp
NPAs & 90+ PD / Assets  0.90 1.19 (29)  bp 1.02 (12)  bp
NPAs / Loans & REO  1.19 1.56 (37)  bp 1.44 (25)  bp
Nonaccrual & 90+ & OREO / Assets  0.29 0.40 (11)  bp 0.37 (8)  bp
NPAs & 90+ PD / Loans & REO  1.19 1.56 (37)  bp 1.44 (25)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR  8.97 12.52 (355)  bp 10.14 (117)  bp
NCOs / Avg Loans  (0.08) (0.04) (4)  bp (0.07) (1)  bp
Loan Loss Reserves / Gross Loans  0.73 0.72 1  bp 0.77 (4)  bp
Reserves / NPAs  60.81 46.28 1,453  bp 53.09 772  bp
Loan Loss Provision / NCO  NM NM NM NM NM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)   544,135 492,912 10.39 531,055 9.85
Tier 1 Capital ($000)   603,115 549,820 9.69 589,958 8.92
Tier 2 Capital ($000)   37,469 34,001 10.20 36,043 15.83
Total Capital ($000)   640,584 583,821 9.72 626,001 9.32
Total Risk-weighted Assets ($000)   5,517,073 4,778,947 5,517,073 5,331,674 5,517,073
Tier 1 Common Capital (CET1) Ratio (%)   10.01 10.31 (30)  bp 9.96 5  bp
Tier 1 Ratio (%)   11.10 11.51 (41)  bp 11.07 3  bp
Total Capital Ratio (%)   11.79 12.22 (43)  bp 11.74 5  bp
Liquidity Coverage Ratio (%)   NA NA NA NA NA
Leverage Ratio (%)   9.55 9.88 (33)  bp 9.45 10  bp
Basel III Leverage Ratio (%)   NA NA NA NA NA
Per Share Information ($)   
Common Shares Outstanding (actual)   26,874,871 24,821,349 8.27 26,862,744 0.18
Avg Diluted Shares (actual)   27,084,608 24,911,919 8.72 27,057,449 0.40
Basic Book Value per Share  24.40 22.55 8.20 23.86 9.05
As-reported Book Value per Share  24.40 22.55 8.20 23.86 9.05
Basic Tangible Book Value per Share  23.30 21.38 8.98 22.73 10.03
Reported: Tangible Book Value  23.30 21.38 8.98 22.73 10.03
Common Dividends Declared per Share  0 0 0 0 0
EPS after Extra  0.41 0.87 (52.87) 0.33 96.97
EPS after Extra Growth (%)   (52.9) 55.40 (10,823)  bp 22.20 (7,509)  bp
Core EPS  0.41 0.91 (54.95) 0.34 82.35
Core EPS Growth (%)   (54.6) 50.90 (10,547)  bp (19.7) (3,488)  bp
Diluted EPS before Amortization  0.43 0.89 (51.69) 0.35 91.43
Pre-Provision Earnings per Share  0.39 0.96 (59.38) 0.32 87.50
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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.