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 4,304,017 4,858,114 4,765,823 4,986,317 4,593,588
Total Net Loans 1,905,729 1,879,719 1,563,615 1,088,035 702,024
Total Deposits 3,876,084 4,238,304 4,414,757 4,621,784 4,272,989
Equity Attributable to Parent Company 331,019 298,963 320,001 319,023 247,127
Total Equity 331,019 298,963 320,001 319,023 247,127
Profitability (%)
Net Income($000) 26,827 (96,492) 13,432 57,109 (14,422)
Net Income Attributable to Parent($000) 26,827 (96,492) 13,432 57,109 (14,422)
ROAA 1.24 (2.29) 0.29 1.28 (0.36)
Core ROAA 1.12 (0.35) 0.09 0.63 0.32
ROAE 17.03 (31.19) 4.20 20.17 (5.65)
ROATCE 17.68 (31.47) 4.52 20.97 (5.50)
Core ROAE 15.41 (4.74) 1.32 9.90 5.11
Net Interest Margin 2.84 2.63 2.07 2.07 1.62
Reported: Net Interest Margin 2.90 2.74 2.37 2.60 2.44
Efficiency Ratio 78.56 100.16 91.50 83.72 81.54
Noninterest Inc/ Operating Rev 44.77 46.07 54.38 58.74 66.51
Balance Sheet Ratios (%)
Loans/ Deposits 35.35 28.85 24.42 18.92 14.88
Securities/ Assets 31.82 30.27 28.19 35.74 29.47
Total Equity/ Total Assets 7.69 6.15 6.71 6.40 5.38
Tangible Equity/ Tangible Assets 7.57 6.02 6.62 6.28 5.22
Tang Common Equity/ Tang Assets 7.57 6.02 6.62 6.28 5.22
Asset Quality (%)
NPAs/ Assets NA NA NA NA NA
NPA Excl Restructured/ Assets 0.12 0.06 0.04 0.04 0.03
NPAs & 90+ PD/ Assets NA NA NA NA NA
NPAs/ Loans & REO NA NA NA NA NA
Nonaccrual & 90+ & OREO/ Assets 0.13 0.08 0.05 0.04 0.04
NPAs & 90+ PD/ Loans & REO NA NA NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR NA NA NA NA NA
NCOs/ Avg Loans 0.04 0.09 0.11 0.16 0.07
Loan Loss Reserves/ Gross Loans 0.38 0.34 0.28 0.33 0.55
Reserves/ NPAs NA NA NA NA NA
Loan Loss Provision/ NCO 410.33 235.29 156.95 83.18 77.34
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 290,605 319,500 NA NA
Tier 1 Capital($000) NA 290,605 319,500 298,819 251,957
Tier 2 Capital($000) NA 6,332 4,400 NA NA
Total Capital($000) NA 296,937 323,900 302,458 283,304
Total Risk-weighted Assets($000) NA 2,178,448 2,177,464 2,590,588 2,387,470
Tier 1 Common Capital (CET1) Ratio(%) 15.38 13.34 14.67 NA NA
Tier 1 Ratio(%) 15.38 13.34 14.67 11.54 10.55
Total Capital Ratio(%) 15.72 13.63 14.88 11.67 11.87
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 7.77 6.90 7.17 7.07 6.09
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 55,757,645 55,319,204 37,761,303 37,708,777 37,620,945
Avg Diluted Shares(actual) 55,889,985 44,567,357 38,074,218 38,329,744 38,121,084
Basic Book Value per Share 5.94 5.40 8.47 8.46 6.57
As-reported Book Value per Share 5.94 5.40 8.47 8.46 6.57
Basic Tangible Book Value per Share 5.84 5.28 8.34 8.30 6.37
Reported: Tangible Book Value NA NA NA NA NA
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.48 (2.17) 0.35 1.49 (0.40)
EPS after Extra Growth(%) NM NM (76.50) NM NM
Core EPS 0.43 (0.33) 0.11 0.73 0.36
Core EPS Growth(%) NM NM (85) 102.20 NM
Diluted EPS before Amortization 0.49 (2.14) 0.38 1.52 (0.37)
Pre-Provision Earnings per Share 0.22 (0.04) 0.10 0.29 0.34
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