Financial Highlights
2017 FQ3 YTD
9/30/2017
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 7,649,820 6,892,031 5,588,940 4,037,077 3,667,649
Total Net Loans 6,068,448 5,346,330 3,999,043 2,909,001 2,502,345
Total Deposits 5,895,504 5,575,163 4,879,290 3,431,149 2,999,231
Equity Attributable to Parent Company 801,921 646,437 514,759 366,028 316,699
Total Equity 801,921 646,437 514,759 366,028 316,699
Profitability (%)
Net Income($000) 64,398 72,100 40,847 38,723 20,018
Net Income Attributable to Parent($000) 64,398 72,100 40,847 38,723 20,018
ROAA 1.20 1.17 0.85 1.04 0.70
Core ROAA 1.30 1.34 1.16 1.13 0.83
ROAE 11.36 11.75 8.30 12.24 7.22
ROATCE 14.39 15.76 10.85 14.80 7.96
Core ROAE 12.34 13.49 11.31 13.37 8.58
Net Interest Margin 3.94 3.99 4.12 4.59 4.74
Reported: Net Interest Margin 3.96 3.99 4.12 4.59 4.74
Efficiency Ratio 59.14 59.93 60.88 65.47 65.29
Noninterest Inc/ Operating Rev 29.79 32.52 32.74 29.49 28.53
Balance Sheet Ratios (%)
Loans/ Deposits 101.04 94.42 80.11 82.64 81.94
Securities/ Assets 11.34 12.36 14.18 13.68 13.72
Total Equity/ Total Assets 10.48 9.38 9.21 9.07 8.63
Tangible Equity/ Tangible Assets 8.81 7.46 7.44 7.42 7.60
Tang Common Equity/ Tang Assets 8.81 7.46 7.44 7.42 6.83
Asset Quality (%)
NPAs/ Assets NA 1.22 1.51 2.54 2.63
NPA Excl Restructured/ Assets NA 0.85 1.09 2.20 2
NPAs & 90+ PD/ Assets NA 1.22 1.51 2.54 2.63
NPAs/ Loans & REO NA 1.57 2.16 3.79 4.45
Nonaccrual & 90+ & OREO/ Assets NA 0.85 1.09 2.20 2
NPAs & 90+ PD/ Loans & REO NA 1.57 2.16 3.79 4.45
NPA & Loans 90+/ Tangible Common Equity + LLR NA 15.92 19.70 32.56 35.79
NCOs/ Avg Loans 0.09 0.05 0.15 0.25 0.70
Loan Loss Reserves/ Gross Loans 0.43 0.45 0.52 0.72 0.89
Reserves/ NPAs NA 28.49 24.94 20.60 23.15
Loan Loss Provision/ NCO 154.10 168.08 114.24 95.07 102.89
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 476,806 403,322 288,162 247,934
Tier 1 Capital($000) NA 555,447 462,961 352,153 331,400
Tier 2 Capital($000) NA 23,920 21,062 NA NA
Total Capital($000) NA 579,367 484,023 373,310 353,777
Total Risk-weighted Assets($000) NA 5,512,898 4,292,741 2,781,966 2,310,079
Tier 1 Common Capital (CET1) Ratio(%) 10.35 8.65 9.40 10.36 10.73
Tier 1 Ratio(%) 11.65 10.08 10.78 12.66 14.35
Total Capital Ratio(%) 13.25 10.51 11.28 13.42 15.32
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.94 8.68 8.70 8.94 11.33
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 37,231,049 34,921,474 32,211,385 26,773,863 25,098,427
Avg Diluted Shares(actual) 37,017,486 34,701,732 32,126,667 26,259,030 24,465,000
Basic Book Value per Share 21.54 18.51 15.98 13.67 11.50
As-reported Book Value per Share 21.54 18.51 15.98 13.67 11.50
Basic Tangible Book Value per Share 17.78 14.42 12.65 10.99 9.87
Reported: Tangible Book Value 17.78 14.42 12.65 10.99 9.87
Common Dividends Declared per Share 0.30 0.30 0.20 0.15 0
EPS after Extra 1.74 2.08 1.27 1.46 0.75
EPS after Extra Growth(%) 11.50 63.80 (13) 94.70 63
Core EPS 1.89 2.39 1.73 1.60 0.90
Core EPS Growth(%) 8.60 37.90 8.50 76.50 NM
Diluted EPS before Amortization 1.82 2.21 1.39 1.55 0.81
Pre-Provision Earnings per Share 1.84 2.28 1.64 1.59 1.13
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