Financial Highlights
Financial Highlights
2018 FQ2 YTD
6/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 10,379,194 9,763,209 9,793,668 9,796,298
Total Net Loans 7,669,690 7,550,581 7,611,504 7,281,208
Total Deposits 8,527,667 8,183,431 8,121,414 8,055,068
Equity Attributable to Parent Company 1,253,010 1,272,626 1,305,710 1,300,059
Total Equity 1,253,010 1,272,626 1,305,710 1,300,059
Profitability (%)
Net Income($000) 61,214 60,776 85,385 45,222
Net Income Attributable to Parent($000) 61,214 60,776 85,385 45,222
ROAA 1.20 0.60 0.87 0.72
Core ROAA 1.21 0.99 0.99 1.02
ROAE 9.62 4.57 6.41 5.56
ROATCE 12.57 6.14 8.56 6.26
Core ROAE 9.70 7.60 7.30 7.95
Net Interest Margin 4.34 4.24 4.20 4.10
Reported: Net Interest Margin 4.37 4.24 4.20 4.10
Efficiency Ratio 65.93 67.33 66.05 67.97
Noninterest Inc/ Operating Rev 16.51 16.04 16.73 20.59
Balance Sheet Ratios (%)
Loans/ Deposits 90.12 92.86 91.75 90.81
Securities/ Assets 16.51 12.46 11.39 14.43
Total Equity/ Total Assets 12.07 13.03 13.33 13.27
Tangible Equity/ Tangible Assets 9.79 10.61 10.83 10.67
Tang Common Equity/ Tang Assets 9.79 10.61 10.83 10.67
Asset Quality (%)
NPAs/ Assets 0.27 0.43 0.52 0.49
NPA Excl Restructured/ Assets 0.14 0.27 0.32 0.27
NPAs & 90+ PD/ Assets 0.29 0.45 0.54 0.50
NPAs/ Loans & REO 0.37 0.55 0.66 0.65
Nonaccrual & 90+ & OREO/ Assets 0.16 0.28 0.35 0.28
NPAs & 90+ PD/ Loans & REO 0.39 0.57 0.68 0.66
NPA & Loans 90+/ Tangible Common Equity + LLR 2.79 3.98 4.72 4.47
NCOs/ Avg Loans (0.02) 0.06 (0.03) (0.04)
Loan Loss Reserves/ Gross Loans 1.21 1.17 1.12 1.06
Reserves/ NPAs 331.04 211.34 170.02 162.71
Loan Loss Provision/ NCO NM 161 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 957,700 994,080 1,014,994 1,013,971
Tier 1 Capital($000) 1,093,700 1,123,154 1,125,267 1,057,597
Tier 2 Capital($000) 96,324 91,477 89,646 81,957
Total Capital($000) 1,190,024 1,214,631 1,214,913 1,139,554
Total Risk-weighted Assets($000) 8,670,784 8,793,848 9,069,572 8,365,598
Tier 1 Common Capital (CET1) Ratio(%) 11.05 11.30 11.19 12.13
Tier 1 Ratio(%) 12.61 12.77 12.41 12.65
Total Capital Ratio(%) 13.72 13.81 13.40 13.63
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 10.80 11.34 11.83 11.06
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 32,405,696 32,726,485 33,193,387 34,242,255
Avg Diluted Shares(actual) 32,422,287 32,986,707 33,853,511 23,866,621
Basic Book Value per Share 38.67 38.89 39.34 37.97
As-reported Book Value per Share 38.67 38.89 39.34 37.97
Basic Tangible Book Value per Share 30.57 30.78 31.06 29.64
Reported: Tangible Book Value 30.57 30.78 31.06 29.64
Common Dividends Declared per Share 1.20 2 0.88 0.72
EPS after Extra 1.89 1.84 2.52 1.89
EPS after Extra Growth(%) 26.80 (27) 33.30 (32.30)
Core EPS 1.91 3.06 2.87 2.70
Diluted EPS before Amortization 1.98 2.03 2.74 2.02
Pre-Provision Earnings per Share 1.96 2.94 2.81 2.57
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