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Financial Highlights

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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 7,698,060 7,479,029 6,890,096 6,075,577 5,246,684
Total Net Loans 6,562,592 6,371,866 5,670,448 4,993,173 4,310,641
Total Deposits 6,121,801 5,853,984 5,716,114 5,158,444 4,310,768
Equity Attributable to Parent Company 985,180 950,438 842,799 738,601 620,759
Total Equity 985,180 950,438 842,799 738,601 620,759
Profitability (%)
Net Income($000) 35,715 100,232 97,707 84,167 54,258
Net Income Attributable to Parent($000) 35,715 100,232 97,707 84,167 54,258
ROAA 1.88 1.41 1.52 1.49 1.31
Core ROAA 1.89 1.61 1.52 1.48 1.39
ROATCE 16.69 12.59 14.30 14.78 14.16
Net Interest Margin 4.14 4.17 4.19 4.37 4.51
Reported: Net Interest Margin 4.17 4.15 4.16 4.33 4.44
Efficiency Ratio 37.86 37.67 39.63 42.08 47.50
Noninterest Inc/ Operating Rev 6.49 8.96 8.96 9.55 9.38
Balance Sheet Ratios (%)
Loans/ Deposits 107.85 109.52 99.33 96.90 100.04
Securities/ Assets 7.96 8.36 8.12 8.31 7.72
Total Equity/ Total Assets 12.80 12.71 12.23 12.16 11.83
Tangible Equity/ Tangible Assets 11.58 11.45 10.85 10.56 9.95
Tang Common Equity/ Tang Assets 11.58 11.45 10.85 10.56 8.55
Asset Quality (%)
NPAs/ Assets 0.32 0.34 0.41 0.51 0.94
NPA Excl Restructured/ Assets 0.17 0.18 0.30 0.31 0.68
NPAs & 90+ PD/ Assets 0.32 0.34 0.41 0.51 0.94
NPAs/ Loans & REO 0.38 0.40 0.50 0.61 1.13
Nonaccrual & 90+ & OREO/ Assets 0.17 0.18 0.30 0.31 0.68
NPAs & 90+ PD/ Loans & REO 0.38 0.40 0.50 0.61 1.13
NPA & Loans 90+/ Tangible Common Equity + LLR 2.63 2.81 3.58 4.53 10.13
NCOs/ Avg Loans 0.06 0.06 0.09 0.17 0.17
Loan Loss Reserves/ Gross Loans 0.99 1.01 1.03 1.04 1.06
Reserves/ NPAs 264.43 253.19 207.33 170.36 93.71
Loan Loss Provision/ NCO 214.02 272.92 229.19 182.38 190.03
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 881,959 845,123 737,512 632,408 433,962
Tier 1 Capital($000) 881,959 845,123 737,512 632,408 505,864
Tier 2 Capital($000) 285,865 284,831 279,200 122,804 NA
Total Capital($000) 1,167,824 1,129,954 1,016,712 755,212 631,340
Total Risk-weighted Assets($000) 7,624,551 7,525,159 6,827,226 5,921,202 4,867,109
Tier 1 Common Capital (CET1) Ratio(%) 11.57 11.23 10.80 10.68 8.92
Tier 1 Ratio(%) 11.57 11.23 10.80 10.68 10.39
Total Capital Ratio(%) 15.32 15.02 14.89 12.75 12.97
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.76 11.45 10.72 10.90 10.69
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 34,303,056 34,185,163 34,023,850 33,467,893 30,139,396
Avg Diluted Shares(actual) 34,406,310 34,320,639 34,181,616 33,479,592 27,550,978
Basic Book Value per Share 28.72 27.80 24.77 22.07 18.21
As-reported Book Value per Share 28.72 27.80 24.77 22.07 18.21
Basic Tangible Book Value per Share 25.63 24.70 21.63 18.84 14.57
Reported: Tangible Book Value 25.60 24.67 21.61 18.83 14.56
EPS after Extra 1.04 2.92 2.86 2.50 1.95
EPS after Extra Growth(%) 31.60 2.10 14.40 28.20 10.80
Core EPS 1.04 3.33 2.86 2.48 2.07
Core EPS Growth(%) 32.90 16.30 15.20 19.80 17.10
Diluted EPS before Amortization 1.05 2.94 2.90 2.54 1.97
Pre-Provision Earnings per Share 1.15 3.65 3.22 2.85 2.38
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.