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Financial Highlights
2017 FQ2
6/30/2017
2016 FQ2
6/30/2016
Y-Y Ch (%)
2017 FQ1
3/31/2017
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 4,453,527 3,107,617 43.31 4,273,931 16.81
Total Net Loans 3,491,519 2,332,541 49.69 3,323,498 20.22
Total Deposits 3,348,080 2,377,084 40.85 3,365,951 (2.12)
Equity Attributable to Parent Company 521,306 369,160 41.21 511,880 7.37
Total Equity 521,306 369,160 41.21 511,880 7.37
Profitability (%)
Net Income($000) 11,778 5,240 124.77 10,856 33.97
Net Income Attributable to Parent($000) 11,778 5,240 124.77 10,856 33.97
ROAA 1.09 0.73 36 bp 1.03 6 bp
Core ROAA 1.08 0.85 23 bp 1.07 1 bp
ROAE 9.10 5.69 341 bp 8.53 57 bp
ROATCE 14.46 8.82 564 bp 13.69 77 bp
Core ROAE 9.02 6.57 245 bp 8.87 15 bp
Net Interest Margin 3.75 3.90 (15) bp 3.75 0 bp
Reported: Net Interest Margin 3.76 3.93 (17) bp 3.80 (4) bp
Efficiency Ratio 61.50 72.03 (1,053) bp 62.05 (55) bp
Noninterest Inc/ Operating Rev 29.79 36.48 (669) bp 30.21 (42) bp
Balance Sheet Ratios (%)
Loans/ Deposits 104.84 98.65 619 bp 99.29 555 bp
Securities/ Assets 11.25 9.75 150 bp 11.46 (21) bp
Total Equity/ Total Assets 11.71 11.88 (17) bp 11.98 (27) bp
Tangible Equity/ Tangible Assets 7.96 8.39 (43) bp 8.06 (10) bp
Tang Common Equity/ Tang Assets 7.96 8.39 (43) bp 8.06 (10) bp
Asset Quality (%)
NPAs/ Assets 0.76 0.67 9 bp 0.62 14 bp
NPA Excl Restructured/ Assets 0.50 0.53 (3) bp 0.55 (5) bp
NPAs & 90+ PD/ Assets 0.77 0.69 8 bp 0.64 13 bp
NPAs/ Loans & REO 0.96 0.88 8 bp 0.79 17 bp
Nonaccrual & 90+ & OREO/ Assets 0.52 0.55 (3) bp 0.57 (5) bp
NPAs & 90+ PD/ Loans & REO 0.98 0.92 6 bp 0.82 16 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 9.53 8.05 148 bp 7.81 172 bp
NCOs/ Avg Loans 0.16 0.02 14 bp 0.05 11 bp
Loan Loss Reserves/ Gross Loans 0.60 0.73 (13) bp 0.58 2 bp
Reserves/ NPAs 61.78 82.43 (2,065) bp 74.01 (1,223) bp
Loan Loss Provision/ NCO 199.86 643.41 (44,355) bp 587.74 (38,788) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 363,370 271,658 33.76 354,940 9.50
Tier 1 Capital($000) 363,370 271,658 33.76 354,940 9.50
Tier 2 Capital($000) 115,789 67,256 72.16 114,356 5.01
Total Capital($000) 479,159 338,914 41.38 469,296 8.41
Total Risk-weighted Assets($000) 3,944,693 2,653,008 3,944,693 3,771,106 3,944,693
Tier 1 Common Capital (CET1) Ratio(%) 9.21 10.24 (103) bp 9.41 (20) bp
Tier 1 Ratio(%) 9.21 10.24 (103) bp 9.41 (20) bp
Total Capital Ratio(%) 12.15 12.77 (62) bp 12.44 (29) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.74 9.90 (116) bp 8.75 (1) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 26,667,991 19,557,958 36.35 26,645,520 0.34
Avg Diluted Shares(actual) 26,477,000 19,469,000 36 26,447,416 0.45
Basic Book Value per Share 19.55 18.88 3.55 19.21 7.08
As-reported Book Value per Share 19.55 18.88 3.55 19.21 7.08
Basic Tangible Book Value per Share 12.75 12.82 (0.55) 12.38 11.95
Reported: Tangible Book Value 12.75 12.82 (0.55) 12.38 11.95
Common Dividends Declared per Share 0.20 0.20 0 0.20 0
EPS after Extra 0.44 0.27 62.96 0.41 29.27
EPS after Extra Growth(%) 63 (18.20) 8,114 bp 10.80 5,215 bp
Core EPS 0.44 0.31 41.94 0.43 9.30
Core EPS Growth(%) 39.80 (22.70) 6,246 bp 8.80 3,103 bp
Diluted EPS before Amortization 0.47 0.29 62.07 0.44 27.27
Pre-Provision Earnings per Share 0.43 0.30 43.33 0.42 9.52

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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