Financial Highlights

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 24,611,242 24,833,415 25,641,424 24,604,962 23,994,280
Total Net Loans 13,750,264 13,845,540 13,271,260 12,292,767 11,312,706
Total Deposits 20,538,471 20,425,446 21,101,095 19,978,853 19,475,778
Equity Attributable to Parent Company 2,703,122 2,716,560 2,495,783 2,361,990 2,330,193
Total Equity 2,705,728 2,718,184 2,501,132 2,367,418 2,334,246
Profitability (%)
Net Income($000) 102,061 319,900 276,854 266,975 262,784
Net Income Attributable to Parent($000) 100,984 319,383 275,391 263,730 261,754
ROAA 1.66 1.28 1.13 1.12 1.16
Core ROAA 1.57 1.18 1.12 1.10 1.12
ROAE 15.04 12.13 11.09 11.25 11.48
ROATCE 16.14 13.15 11.96 12.21 12.56
Core ROAE 14.30 11.28 11 11.06 11.17
Net Interest Margin 3.32 3.20 3.04 2.94 3
Reported: Net Interest Margin 3.37 3.20 3.04 2.94 3
Efficiency Ratio 57.57 60.63 60.54 60.69 60.29
Noninterest Inc/ Operating Rev 38.29 38.51 40.92 41.40 41.19
Balance Sheet Ratios (%)
Loans/ Deposits 67.65 68.46 63.56 62.25 58.89
Securities/ Assets 35.04 35.81 38.11 40.24 40.20
Total Equity/ Total Assets 10.99 10.95 9.75 9.62 9.73
Tangible Equity/ Tangible Assets 10.48 10.43 9.25 9.09 9.18
Tang Common Equity/ Tang Assets 9.88 9.84 8.66 8.48 8.55
Asset Quality (%)
NPAs/ Assets 0.43 0.47 0.25 0.28 0.36
NPA Excl Restructured/ Assets 0.05 0.05 0.06 0.12 0.19
NPAs & 90+ PD/ Assets 0.49 0.54 0.32 0.34 0.42
NPAs/ Loans & REO 0.75 0.82 0.48 0.55 0.75
Nonaccrual & 90+ & OREO/ Assets 0.11 0.12 0.12 0.19 0.25
NPAs & 90+ PD/ Loans & REO 0.86 0.95 0.61 0.68 0.87
NPA & Loans 90+/ Tangible Common Equity + LLR 4.65 5.16 3.44 3.80 4.56
NCOs/ Avg Loans 0.30 0.31 0.25 0.28 0.31
Loan Loss Reserves/ Gross Loans 1.15 1.14 1.16 1.22 1.36
Reserves/ NPAs 152.19 138.15 240.27 222.41 180.83
Loan Loss Provision/ NCO 100 108.64 113.79 85.18 85.52
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,512,119 2,422,480 2,207,370 2,051,474 1,986,064
Tier 1 Capital($000) 2,656,903 2,567,264 2,352,154 2,196,258 2,131,169
Tier 2 Capital($000) 160,607 180,599 177,521 168,503 NA
Total Capital($000) 2,817,510 2,747,863 2,529,675 2,364,761 2,304,206
Total Risk-weighted Assets($000) 18,946,663 19,149,949 18,994,730 17,809,554 15,509,144
Tier 1 Common Capital (CET1) Ratio(%) 13.26 12.65 11.62 11.52 12.81
Tier 1 Ratio(%) 14.02 13.41 12.38 12.33 13.74
Total Capital Ratio(%) 14.87 14.35 13.32 13.28 14.86
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.83 10.39 9.55 9.23 9.36
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 106,808,595 106,804,429 106,720,252 107,349,797 111,511,075
Avg Diluted Shares(actual) 105,965,845 105,927,203 105,523,631 108,352,391 112,734,153
Basic Book Value per Share 23.95 24.08 22.03 20.65 19.60
As-reported Book Value per Share 24.02 24.14 22.12 20.74 19.63
Basic Tangible Book Value per Share 22.63 22.75 20.69 19.31 18.29
Common Dividends Declared per Share 0.24 0.86 0.82 0.78 0.74
EPS after Extra 0.92 2.89 2.49 2.32 2.26
EPS after Extra Growth(%) 41.50 16.30 7.10 2.70 1.30
Core EPS 0.87 2.66 2.46 2.26 2.18
Core EPS Growth(%) 33.10 8.30 8.80 3.70 (3.90)
Diluted EPS before Amortization 0.92 2.90 2.50 2.33 2.28
Pre-Provision Earnings per Share 0.93 2.63 2.54 2.29 2.23
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