Financial Highlights

Financial Highlights
2018 FQ2 YTD
6/30/2018
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 24,524,742 24,833,415 25,641,424 24,604,962 23,994,280
Total Net Loans 13,814,931 13,845,540 13,271,260 12,292,767 11,312,706
Total Deposits 20,321,557 20,425,446 21,101,095 19,978,853 19,475,778
Equity Attributable to Parent Company 2,767,987 2,716,560 2,495,783 2,361,990 2,330,193
Total Equity 2,771,383 2,718,184 2,501,132 2,367,418 2,334,246
Profitability (%)
Net Income($000) 213,385 319,900 276,854 266,975 262,784
Net Income Attributable to Parent($000) 211,314 319,383 275,391 263,730 261,754
ROAA 1.74 1.28 1.13 1.12 1.16
Core ROAA 1.71 1.18 1.12 1.10 1.12
ROAE 15.68 12.13 11.09 11.25 11.48
ROATCE 16.82 13.15 11.96 12.21 12.56
Core ROAE 15.41 11.28 11 11.06 11.17
Net Interest Margin 3.48 3.20 3.04 2.94 3
Reported: Net Interest Margin 3.51 3.20 3.04 2.94 3
Efficiency Ratio 55.38 60.63 60.54 60.69 60.29
Noninterest Inc/ Operating Rev 37.71 38.51 40.92 41.40 41.19
Balance Sheet Ratios (%)
Loans/ Deposits 68.67 68.46 63.56 62.25 58.89
Securities/ Assets 34.90 35.81 38.11 40.24 40.20
Total Equity/ Total Assets 11.30 10.95 9.75 9.62 9.73
Tangible Equity/ Tangible Assets 10.79 10.43 9.25 9.09 9.18
Tang Common Equity/ Tang Assets 10.18 9.84 8.66 8.48 8.55
Asset Quality (%)
NPAs/ Assets 0.45 0.47 0.25 0.28 0.36
NPA Excl Restructured/ Assets 0.04 0.05 0.06 0.12 0.19
NPAs & 90+ PD/ Assets 0.50 0.54 0.32 0.34 0.42
NPAs/ Loans & REO 0.79 0.82 0.48 0.55 0.75
Nonaccrual & 90+ & OREO/ Assets 0.10 0.12 0.12 0.19 0.25
NPAs & 90+ PD/ Loans & REO 0.88 0.95 0.61 0.68 0.87
NPA & Loans 90+/ Tangible Common Equity + LLR 4.67 5.16 3.44 3.80 4.56
NCOs/ Avg Loans 0.29 0.31 0.25 0.28 0.31
Loan Loss Reserves/ Gross Loans 1.14 1.14 1.16 1.22 1.36
Reserves/ NPAs 145.11 138.15 240.27 222.41 180.83
Loan Loss Provision/ NCO 100 108.64 113.79 85.18 85.52
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,596,487 2,422,480 2,207,370 2,051,474 1,986,064
Tier 1 Capital($000) 2,741,271 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) 2,901,878 2,747,863 2,529,675 2,364,761 2,304,206
Total Risk-weighted Assets($000) 18,932,765 19,149,949 18,994,730 17,809,554 15,509,144
Tier 1 Common Capital (CET1) Ratio(%) 13.71 12.65 11.62 11.52 12.81
Tier 1 Ratio(%) 14.48 13.41 12.38 12.33 13.74
Total Capital Ratio(%) 15.33 14.35 13.32 13.28 14.86
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.18 10.39 9.55 9.23 9.36
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 106,805,820 106,804,429 106,720,252 107,349,797 111,511,075
Avg Diluted Shares(actual) 105,997,807 105,927,203 105,523,631 108,352,391 112,734,153
Basic Book Value per Share 24.56 24.08 22.03 20.65 19.60
As-reported Book Value per Share 24.64 24.14 22.12 20.74 19.63
Basic Tangible Book Value per Share 23.24 22.75 20.69 19.31 18.29
Common Dividends Declared per Share 0.47 0.86 0.82 0.78 0.74
EPS after Extra 1.93 2.89 2.49 2.32 2.26
EPS after Extra Growth(%) 41.70 16.30 7.10 2.70 1.30
Core EPS 1.90 2.66 2.46 2.26 2.18
Core EPS Growth(%) 40.70 8.30 8.80 3.70 (3.90)
Diluted EPS before Amortization 1.93 2.90 2.50 2.33 2.28
Pre-Provision Earnings per Share 2.04 2.63 2.54 2.29 2.23
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