Financial Highlights

Financial Highlights
2018 FQ1 YTD
3/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 24,149,330 24,994,876 21,869,767 21,288,490 16,234,605
Total Net Loans 16,321,010 17,314,387 15,298,716 14,363,143 11,797,977
Total Deposits 18,078,788 18,865,536 15,870,611 15,666,182 11,755,128
Equity Attributable to Parent Company 4,867,490 4,977,598 4,479,055 4,397,691 3,506,230
Total Equity 4,867,490 4,977,598 4,479,055 4,397,691 3,506,230
Profitability (%)
Net Income($000) 118,276 357,818 352,166 299,619 168,905
Net Income Attributable to Parent($000) 118,276 357,818 352,166 299,619 168,905
ROAA 1.97 1.58 1.66 1.70 1.27
Core ROAA 1.97 1.65 1.70 1.80 1.80
ROAE 9.65 7.71 7.85 7.99 6.11
ROATCE 21.47 15.22 15.81 15.54 11.02
Core ROAE 9.66 8.07 8.04 8.45 8.70
Net Interest Margin 5.04 5.10 5.40 5.60 6.01
Reported: Net Interest Margin 5.11 5.10 5.40 5.60 6.01
Efficiency Ratio 43.13 41.63 39.66 39.08 40.45
Noninterest Inc/ Operating Rev 11.17 11.07 10.20 8.91 5.12
Balance Sheet Ratios (%)
Loans/ Deposits 91.02 89.97 97.39 92.38 101.01
Securities/ Assets 15.90 15.24 14.91 16.88 10.14
Total Equity/ Total Assets 20.16 19.91 20.48 20.66 21.60
Tangible Equity/ Tangible Assets 10.43 10.50 11.54 11.38 12.20
Tang Common Equity/ Tang Assets 10.43 10.50 11.54 11.38 12.20
Asset Quality (%)
NPAs/ Assets 0.63 0.81 1.11 0.83 0.98
NPA Excl Restructured/ Assets 0.38 0.58 0.81 0.64 0.77
NPAs & 90+ PD/ Assets 0.63 0.81 1.11 0.83 0.98
NPAs/ Loans & REO 0.92 1.16 1.57 1.22 1.37
Nonaccrual & 90+ & OREO/ Assets 0.38 0.58 0.81 0.64 0.77
NPAs & 90+ PD/ Loans & REO 0.93 1.16 1.57 1.22 1.37
NPA & Loans 90+/ Tangible Common Equity + LLR 6.40 8.10 10 7.73 8.62
NCOs/ Avg Loans 0.12 0.43 0.16 0.06 0.02
Loan Loss Reserves/ Gross Loans 0.82 0.80 1.02 0.80 0.71
Reserves/ NPAs 88.49 69.15 64.82 65.51 52.90
Loan Loss Provision/ NCO (4.56) 74.13 286.71 528.89 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,290,993 2,361,800 2,286,203 2,159,741 NA
Tier 1 Capital($000) 2,290,993 2,361,800 2,286,203 2,164,152 1,722,870
Tier 2 Capital($000) 605,867 616,843 602,960 523,225 NA
Total Capital($000) 2,896,860 2,978,643 2,889,163 2,687,377 2,104,984
Total Risk-weighted Assets($000) 20,523,160 21,657,591 18,568,622 17,170,292 13,096,354
Tier 1 Common Capital (CET1) Ratio(%) 11.16 10.91 12.31 12.58 NA
Tier 1 Ratio(%) 11.16 10.91 12.31 12.60 13.16
Total Capital Ratio(%) 14.11 13.75 15.56 15.65 16.07
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.66 10.66 11.91 11.67 12.34
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 126,537,871 128,782,878 121,283,669 121,413,727 103,022,017
Avg Diluted Shares(actual) 126,074,000 121,613,000 120,239,000 106,327,000 86,852,500
Basic Book Value per Share 38.47 38.65 36.93 36.22 34.03
As-reported Book Value per Share 38.47 38.65 36.93 36.22 34.03
Basic Tangible Book Value per Share 17.75 18.24 18.71 17.86 17.17
Reported: Tangible Book Value 17.75 18.24 18.71 17.86 17.17
Common Dividends Declared per Share 0.50 2 2 2 1.25
EPS after Extra 0.93 2.91 2.90 2.79 1.92
EPS after Extra Growth(%) 43.10 0.30 3.90 45.30 77.80
Core EPS 0.93 3.05 2.97 2.95 2.74
Core EPS Growth(%) 45.30 2.50 0.60 7.80 57.50
Diluted EPS before Amortization 0.98 3.03 3.04 2.88 2.07
Pre-Provision Earnings per Share 0.98 3.28 3.32 3.26 2.93
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