Financial Highlights

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Financial Highlights
2017 FQ2 YTD
6/30/2017
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 7,676,459 7,882,563 6,649,833 5,088,314 3,739,568
Total Net Loans 5,130,346 5,557,657 5,451,657 4,062,458 2,833,315
Total Deposits 6,334,059 6,681,761 5,307,048 3,795,875 2,744,932
Equity Attributable to Parent Company 1,001,771 925,935 867,038 799,583 668,812
Total Equity 1,001,771 925,935 867,038 799,583 668,812
Profitability (%)
Net Income($000) 25,896 11,454 59,943 43,707 143,093
Net Income Attributable to Parent($000) 25,896 11,454 59,943 43,707 143,093
ROAA 0.66 0.16 1.03 1 4.39
Core ROAA 0.70 0.26 1.06 0.97 4.51
ROAE 5.29 1.22 7.15 5.81 24.76
ROATCE 9.31 2.45 10.97 9.36 51.08
Core ROAE 5.62 2.02 7.38 5.64 25.40
Net Interest Margin 3.15 3.62 3.95 4.09 4.66
Reported: Net Interest Margin 3.17 3.62 3.95 4.09 4.66
Efficiency Ratio 68.98 49.71 45.85 58.62 65.74
Noninterest Inc/ Operating Rev 19.26 20.34 10.27 7.53 10.11
Balance Sheet Ratios (%)
Loans/ Deposits 82.38 84.84 103.56 107.63 103.86
Securities/ Assets 15.08 8.71 2.54 4.08 6.63
Total Equity/ Total Assets 13.05 11.75 13.04 15.71 17.88
Tangible Equity/ Tangible Assets 8.53 7.25 9.33 11.34 11.91
Tang Common Equity/ Tang Assets 8.52 7.24 9.32 9.92 8.84
Asset Quality (%)
NPAs/ Assets 0.90 1.21 0.37 0.21 0.42
NPA Excl Restructured/ Assets 0.90 1.21 0.37 0.21 0.40
NPAs & 90+ PD/ Assets 0.91 1.22 0.37 0.26 0.59
NPAs/ Loans & REO 1.32 1.68 0.45 0.26 0.55
Nonaccrual & 90+ & OREO/ Assets 0.90 1.21 0.37 0.25 0.57
NPAs & 90+ PD/ Loans & REO 1.33 1.69 0.45 0.32 0.78
NPA & Loans 90+/ Tangible Common Equity + LLR 9.81 14.65 3.90 2.60 6.83
NCOs/ Avg Loans 0.83 0.98 0.08 0.01 0
Loan Loss Reserves/ Gross Loans 1.68 1.97 0.80 0.56 0.61
Reserves/ NPAs 126.95 116.95 179.58 213.52 110.71
Loan Loss Provision/ NCO (5.01) 214.95 646.31 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 632,610 561,840 585,772 449,876 237,039
Tier 1 Capital($000) 632,610 561,840 585,772 518,644 343,947
Tier 2 Capital($000) 207,403 212,946 45,427 NA NA
Total Capital($000) 840,013 774,786 631,199 542,351 361,504
Total Risk-weighted Assets($000) 5,966,401 6,399,907 5,417,643 3,910,806 2,616,628
Tier 1 Common Capital (CET1) Ratio(%) 10.60 8.78 10.81 11.50 9.06
Tier 1 Ratio(%) 10.60 8.78 10.81 13.26 13.14
Total Capital Ratio(%) 14.08 12.11 11.65 13.87 13.82
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.58 7.54 9.59 11.29 10.31
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 37,381,369 34,277,121 32,500,191 28,148,516 23,102,828
Avg Diluted Shares(actual) 37,367,238 35,103,431 33,448,090 31,659,431 28,878,131
Basic Book Value per Share 26.78 27 26.66 25.96 24.32
As-reported Book Value per Share 26.78 26.99 26.65 25.17 23.28
Basic Tangible Book Value per Share 16.63 15.84 18.28 17.04 13.34
Reported: Tangible Book Value 16.63 15.84 18.28 17.26 14.45
Common Dividends Declared per Share 0 0.53 0.34 0 NA
EPS after Extra 0.69 0.33 1.79 1.38 4.96
EPS after Extra Growth(%) (28.90) (81.60) 29.70 (72.20) 527.80
Core EPS 0.73 0.54 1.85 1.34 5.09
Core EPS Growth(%) (32.50) (70.60) 37.90 (73.70) 510
Diluted EPS before Amortization 0.77 0.47 1.86 1.46 5.04
Pre-Provision Earnings per Share 0.69 2.78 2.39 1.41 1.04
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