Balance Sheet
Financial Highlights
12/31/2016
3/31/2017
12/31/2017
3/31/2018
Assets ($000)
Cash and Due from Banks 177,083 196,277 199,624 188,418
Fed Funds Sold 0 0 0 0
Deposits at Financial Institutions 70,636 104,431 61,576 53,630
Securities Purchased, to Resell 0 0 0 0
Other Cash & Cash Equivalents 0 0 0 0
Cash and Cash Equivalents 247,719 300,708 261,200 242,048
Trading Account Securities 24,568 24,753 22,318 25,574
Available for Sale Securities 806,428 1,223,764 919,485 1,406,505
Held to Maturity Securities 267,873 266,391 260,271 262,645
Other Securities 16,718 14,546 15,313 18,036
Total Cash & Securities 1,363,306 1,830,162 1,478,587 1,954,808
Gross Loans Held for Investment 7,451,148 7,421,255 7,598,884 7,556,046
Loan Loss Reserve 85,997 86,527 89,028 92,207
Loans Held for Sale, before Reserves 246,353 86,707 40,725 141,808
Total Net Loans 7,611,504 7,421,435 7,550,581 7,605,647
Real Estate Owned and Held for Investment 11,081 3,040 360 328
Goodwill 244,583 244,583 242,659 242,659
Core Deposit Intangibles 29,701 28,077 22,378 20,996
Other Intangibles 461 411 277 255
Intangible Assets other than Goodwill 30,162 28,488 22,655 21,251
Total Intangible Assets 274,745 273,071 265,314 263,910
Loan Servicing Rights 15,249 15,272 14,738 14,617
Credit Card Rights 0 0 0 0
Other Loan Servicing Rights 0 0 0 0
Total Servicing Rights 15,249 15,272 14,738 14,617
Fixed Assets 166,481 162,467 154,815 156,005
Interest Receivable 30,178 30,312 31,259 32,824
Prepaid Expense NA NA NA NA
Bank-owned Life Insurance 158,936 159,948 162,668 163,519
Other Assets 162,188 172,671 104,887 125,606
Total Other Assets 517,783 525,398 453,629 477,954
Total Assets 9,793,668 10,068,378 9,763,209 10,317,264
Memo: Consolidated VIE Assets 0 0 0 0
Memo: Covered Loans 0 0 0 0
Memo: Covered OREO 0 0 0 0
Memo: Covered Securities 0 0 0 0
Memo: Covered Assets 0 0 0 0
Liabilities ($000)
Total Deposits 8,121,414 8,421,960 8,183,431 8,543,062
FHLB Borrowings 54,216 213 202 192,195
Senior Debt 159,901 120,458 96,062 294,039
Trust Preferred (FAS 150) 95,200 96,040 98,707 112,516
Total Subordinated Debt 95,200 96,040 98,707 112,516
Redeemable Financial Instruments (FAS 150) 0 0 0 0
Total Debt 255,101 216,498 194,769 406,555
Total Other Liabilities 111,443 106,516 112,383 113,524
Total Liabilities 8,487,958 8,744,974 8,490,583 9,063,141
Memo: Consolidated VIE Liabilities 0 0 0 0
Mezzanine ($000)
Redeemable Preferred 0 0 0 0
Trust Preferred Securities 0 0 0 0
Total Minority Interest 0 0 0 0
Other Mezzanine Items 0 0 0 0
Total Mezzanine Level Items 0 0 0 0
Equity ($000)
TARP Preferred Equity 0 0 0 0
Other Preferred Equity 0 0 0 0
Total Preferred Equity 0 0 0 0
Common Equity 1,305,710 1,323,404 1,272,626 1,254,123
Equity Attributable to Parent Company 1,305,710 1,323,404 1,272,626 1,254,123
Noncontrolling Interests 0 0 0 0
Total Equity 1,305,710 1,323,404 1,272,626 1,254,123
Net Unrealized Gain (3,455) (1,896) (5,036) 1,390
Tot Acc Other Comprehensive Inc (3,455) (1,896) (5,036) 1,390
Balance Sheet Analysis (%)
Gross Loans HFI/ Total Assets 76.08 73.71 77.83 73.24
Loans/ Deposits 91.75 88.12 92.86 88.45
Loan Loss Reserves/ Gross Loans 1.12 1.15 1.17 1.20
Reserves/ Loans Held For Investment 1.15 1.17 1.17 1.22
One Year Gap/ Assets 26.88 24.07 24.31 21.68
1-4 Loans Serviced for Others($000) 2,050,000 2,090,000 2,190,000 2,230,000
Level 1 Assets($000) 0 0 0 0
Level 2 Assets($000) 828,265 1,242,334 957,743 1,555,312
Level 3 Assets($000) 32,224 25,081 28,953 26,302
Level 1 Liabilities($000) 0 0 0 0
Level 2 Liabilities($000) 62,835 7,818 5,284 4,852
Level 3 Liabilities($000) 95,200 96,040 98,707 112,516
FTE Employees(actual) 2,078 2,081 2,078 2,100
Annualized Growth Rates (%)
Asset Growth (0.03) 11.22 (0.31) 22.70
Gross Loans HFI Growth 1.87 (1.60) 1.98 (2.25)
Deposit Growth 0.82 14.80 0.76 17.58
Average Balances ($000)
Avg Gross Loans HFI 7,323,347 7,436,202 7,568,071 7,577,465
Avg Loans HFS 107,357 166,530 92,079 91,267
Average Loans, Gross of Reserves 7,434,247 7,707,344 7,687,265 7,662,129
Avg Securities 1,402,207 1,311,414 1,524,658 1,537,374
Avg Other Int Earn Assets 94,456 32,195 49,573 64,512
Avg Secs & Other Int Earn Assets 1,496,663 1,343,609 1,574,231 1,601,886
Avg Interest Earning Assets 8,930,910 9,050,953 9,261,496 9,264,015
Avg Assets 9,835,091 9,974,118 10,153,548 10,069,518
Avg CDs 1,208,702 1,089,316 1,116,304 998,738
Avg Other Interest-bearing Deposits 3,805,512 3,976,968 4,008,874 4,048,285
Avg Interest-bearing Deposits 5,014,214 5,066,284 5,125,178 5,047,023
Avg Debt 390,524 378,577 403,410 396,863
Avg Interest-bearing Liabs 5,404,738 5,444,861 5,528,588 5,443,886
Avg Noninterest-bearing Deposits 3,033,604 3,148,520 3,233,889 3,282,686
Avg Total Deposits 8,047,818 8,214,804 8,359,067 8,329,709
Avg Preferred Equity 0 0 0 0
Avg Common Equity 1,331,241 1,322,248 1,329,479 1,276,968
Avg Equity 1,331,241 1,322,248 1,329,479 1,276,968
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