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Financial Highlights
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
2013 FY
12/31/2013
Balance Sheet ($000)
Total Assets 27,915,970 25,668,553 22,909,348 19,998,840 18,081,756
Total Net Loans 21,816,484 20,056,078 17,546,402 14,893,561 13,470,346
Total Deposits 23,183,347 21,658,632 18,639,634 16,281,844 14,668,789
Equity Attributable to Parent Company 2,976,939 2,695,617 2,352,274 2,069,822 1,900,589
Total Equity 2,976,939 2,695,617 2,352,274 2,069,822 1,900,589
Profitability (%)
Net Income($000) 257,682 206,875 156,749 151,398 137,210
Net Income Attributable to Parent($000) 257,682 206,875 156,749 151,398 137,210
ROAA 0.98 0.85 0.75 0.81 0.79
ROAE 9.07 8.11 7.02 7.59 7.39
ROATCE 11.63 10.91 9.41 10.14 9.92
Net Interest Margin 3.44 3.26 3.36 3.53 3.50
Reported: Net Interest Margin 3.44 3.26 3.36 3.53 3.50
Efficiency Ratio 62.45 64.27 66.14 65.13 63.02
Noninterest Inc/ Operating Rev 27.74 30.09 29.55 26.57 28.71
Balance Sheet Ratios (%)
Loans/ Deposits 93.35 91.24 92.63 89.89 90.28
Securities/ Assets 9.75 10.05 12.14 9.76 12.78
Total Equity/ Total Assets 10.66 10.50 10.27 10.35 10.51
Tangible Equity/ Tangible Assets 8.97 8.65 8.28 8.41 8.52
Tang Common Equity/ Tang Assets 8.51 7.65 7.16 7.76 7.80
Asset Quality (%)
NPAs/ Assets 0.51 0.57 0.70 0.93 1.24
NPA Excl Restructured/ Assets 0.42 0.45 0.51 0.58 0.80
NPAs & 90+ PD/ Assets 0.59 0.69 0.85 1.03 1.40
NPAs/ Loans & REO 0.64 0.73 0.91 1.26 1.68
Nonaccrual & 90+ & OREO/ Assets 0.51 0.57 0.66 0.68 0.97
NPAs & 90+ PD/ Loans & REO 0.75 0.88 1.11 1.39 1.91
NPA & Loans 90+/ Tangible Common Equity + LLR 6.66 8.67 11.35 12.79 17.07
NCOs/ Avg Loans 0.07 0.09 0.12 0.20 0.44
Loan Loss Reserves/ Gross Loans 0.63 0.61 0.61 0.63 0.79
Reserves/ NPAs 97.23 84.53 67.79 50.43 47.82
Loan Loss Provision/ NCO 198.78 197.59 171.06 75.23 83.17
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 1,989,448 1,669,219 1,566,112 1,462,144
Tier 1 Capital($000) NA 2,239,265 1,981,661 1,934,579 1,830,621
Tier 2 Capital($000) NA 510,945 447,137 NA NA
Total Capital($000) NA 2,750,210 2,428,798 2,171,235 1,938,802
Total Risk-weighted Assets($000) NA 23,030,410 19,886,054 16,733,243 15,139,266
Tier 1 Common Capital (CET1) Ratio(%) 9.40 8.64 8.39 9.36 9.66
Tier 1 Ratio(%) 9.90 9.72 9.97 11.56 12.09
Total Capital Ratio(%) 12 11.94 12.21 12.98 12.81
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.30 8.91 9.09 10.17 10.48
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 55,965,207 51,880,540 48,383,279 46,805,055 46,116,583
Avg Diluted Shares(actual) 56,686,000 54,272,000 51,937,000 50,845,000 49,948,000
As-reported Book Value per Share 50.96 47.12 43.42 41.52 38.47
Reported: Tangible Book Value 41.68 37.08 33.17 32.45 29.93
Common Dividends Declared per Share 0.56 0.48 0.44 0.40 0.18
EPS after Extra 4.40 3.66 2.93 2.98 2.75
EPS after Extra Growth(%) 20.20 24.90 (1.70) 8.40 19
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