Financial Highlights

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 25,078,843 25,641,424 24,604,962 23,994,280 23,072,036
Total Net Loans 13,490,762 13,271,260 12,292,767 11,312,706 10,795,304
Total Deposits 20,825,662 21,101,095 19,978,853 19,475,778 19,047,348
Equity Attributable to Parent Company 2,623,883 2,495,783 2,361,990 2,330,193 2,210,642
Total Equity 2,628,207 2,501,132 2,367,418 2,334,246 2,214,397
Profitability (%)
Net Income($000) 150,691 276,854 266,975 262,784 261,117
Net Income Attributable to Parent($000) 150,464 275,391 263,730 261,754 260,961
ROAA 1.20 1.13 1.12 1.16 1.19
Core ROAA 1.19 1.12 1.10 1.12 1.21
ROAE 11.71 11.09 11.25 11.48 11.99
ROATCE 12.71 11.96 12.21 12.56 12.82
Core ROAE 11.65 11 11.06 11.17 12.28
Net Interest Margin 3.14 3.04 2.94 3 3.11
Reported: Net Interest Margin 3.16 3.04 2.94 3 3.11
Efficiency Ratio 60.15 60.54 60.69 60.29 58.86
Noninterest Inc/ Operating Rev 39.77 40.92 41.40 41.19 40.34
Balance Sheet Ratios (%)
Loans/ Deposits 65.43 63.56 62.25 58.89 57.52
Securities/ Assets 38.14 38.11 40.24 40.20 39.19
Total Equity/ Total Assets 10.48 9.75 9.62 9.73 9.60
Tangible Equity/ Tangible Assets 9.97 9.25 9.09 9.18 9.02
Tang Common Equity/ Tang Assets 9.37 8.66 8.48 8.55 9
Asset Quality (%)
NPAs/ Assets 0.26 0.25 0.28 0.36 0.50
NPA Excl Restructured/ Assets 0.06 0.06 0.12 0.19 0.24
NPAs & 90+ PD/ Assets 0.32 0.32 0.34 0.42 0.56
NPAs/ Loans & REO 0.48 0.48 0.55 0.75 1.04
Nonaccrual & 90+ & OREO/ Assets 0.11 0.12 0.19 0.25 0.30
NPAs & 90+ PD/ Loans & REO 0.59 0.61 0.68 0.87 1.17
NPA & Loans 90+/ Tangible Common Equity + LLR 3.22 3.44 3.80 4.56 5.76
NCOs/ Avg Loans 0.30 0.25 0.28 0.31 0.30
Loan Loss Reserves/ Gross Loans 1.16 1.16 1.22 1.36 1.47
Reserves/ NPAs 240.33 240.27 222.41 180.83 141.37
Loan Loss Provision/ NCO 109.51 113.79 85.18 85.52 64.92
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,304,532 2,207,370 2,051,474 1,986,064 2,061,446
Tier 1 Capital($000) 2,449,316 2,352,154 2,196,258 2,131,169 2,061,761
Tier 2 Capital($000) 177,981 177,521 168,503 NA NA
Total Capital($000) 2,627,297 2,529,675 2,364,761 2,304,206 2,239,636
Total Risk-weighted Assets($000) 18,766,547 18,994,730 17,809,554 15,509,144 14,660,536
Tier 1 Common Capital (CET1) Ratio(%) 12.28 11.62 11.52 12.81 14.06
Tier 1 Ratio(%) 13.05 12.38 12.33 13.74 14.06
Total Capital Ratio(%) 14 13.32 13.28 14.86 15.28
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.87 9.55 9.23 9.36 9.43
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 101,795,752 101,638,335 102,237,902 106,201,024 110,994,433
Avg Diluted Shares(actual) 100,833,150 100,498,696 103,192,753 107,365,860 109,954,696
Basic Book Value per Share 24.35 23.13 21.69 20.58 19.92
As-reported Book Value per Share 24.44 23.22 21.77 20.62 19.95
Basic Tangible Book Value per Share 22.96 21.73 20.28 19.21 18.59
Common Dividends Declared per Share 0.45 0.86 0.82 0.78 0.74
EPS after Extra 1.43 2.61 2.43 2.37 2.35
EPS after Extra Growth(%) 11.70 7.40 2.60 0.70 (1.50)
Core EPS 1.41 2.58 2.37 2.28 2.39
Core EPS Growth(%) 11.10 9 3.70 (4.40) 0.90
Diluted EPS before Amortization 1.43 2.62 2.44 2.39 2.37
Pre-Provision Earnings per Share 1.41 2.66 2.40 2.34 2.40
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