| Balance Sheet ($000)
|
|
|
Total Assets
|
9,586,683
|
9,462,849
|
1.31
|
9,724,790
|
(5.68)
|
|
Total Net Loans
|
5,159,256
|
5,367,211
|
(3.87)
|
5,338,841
|
(13.45)
|
|
Total Deposits
|
7,160,785
|
7,394,941
|
(3.17)
|
7,302,965
|
(7.79)
|
|
Equity Attributable to Parent Company
|
1,370,505
|
1,019,537
|
34.42
|
1,358,197
|
3.62
|
|
Total Equity
|
1,370,505
|
1,019,537
|
34.42
|
1,358,197
|
3.62
|
| Profitability (%)
|
|
|
Net Income
($000)
|
23,247
|
18,244
|
27.42
|
20,991
|
42.99
|
|
Net Income Attributable to Parent
($000)
|
23,247
|
18,244
|
27.42
|
20,991
|
42.99
|
|
ROAA
|
0.97
|
0.77
|
20
bp
|
0.86
|
11
bp
|
|
Core ROAA
|
1.00
|
0.78
|
22
bp
|
1.00
|
0
bp
|
|
ROAE
|
6.82
|
7.18
|
(36)
bp
|
6.24
|
58
bp
|
|
ROATCE
|
8.96
|
12.66
|
(370)
bp
|
8.09
|
87
bp
|
|
Core ROAE
|
7.02
|
7.34
|
(32)
bp
|
7.19
|
(17)
bp
|
|
Net Interest Margin
|
3.51
|
3.64
|
(13)
bp
|
3.58
|
(7)
bp
|
|
Reported: Net Interest Margin
|
3.50
|
3.62
|
(12)
bp
|
3.57
|
(7)
bp
|
|
Efficiency Ratio
|
66.65
|
61.39
|
526
bp
|
65.20
|
145
bp
|
|
Noninterest Inc /
Operating Rev
|
23.14
|
23.76
|
(62)
bp
|
23.83
|
(69)
bp
|
| Balance Sheet Ratios/ Capital (%)
|
|
|
Loans /
Deposits
|
73.44
|
74.77
|
(133)
bp
|
74.37
|
(93)
bp
|
|
Securities /
Assets
|
31.82
|
30.38
|
144
bp
|
30.61
|
121
bp
|
|
Total Equity /
Total Assets
|
14.30
|
10.77
|
353
bp
|
13.97
|
33
bp
|
|
Tangible Equity /
Tangible Assets
|
11.30
|
7.59
|
371
bp
|
11.00
|
30
bp
|
|
Tang Common Equity /
Tang Assets
|
8.15
|
4.47
|
368
bp
|
7.91
|
24
bp
|
|
Tier 1 Common Capital Ratio
|
9.24
|
7.24
|
200
bp
|
8.83
|
41
bp
|
|
Tier 1 Ratio
|
15.71
|
13.51
|
220
bp
|
15.09
|
62
bp
|
|
Risk-based Capital Ratio
|
16.97
|
14.84
|
213
bp
|
16.35
|
62
bp
|
|
Leverage Ratio (Bank, BHC Only)
|
9.95
|
8.45
|
150
bp
|
9.66
|
29
bp
|
|
Core Cap /
Tang Assets (OTS Only)
|
NA
|
NA
|
NA
|
NA
|
NA
|
| Asset Quality (%)
|
|
|
NPAs /
Assets
|
0.93
|
1.42
|
(49)
bp
|
1.11
|
(18)
bp
|
|
NPA Excl Restructured /
Assets
|
0.71
|
1.07
|
(36)
bp
|
0.89
|
(18)
bp
|
|
NPAs & 90+ PD /
Assets
|
0.93
|
1.42
|
(49)
bp
|
1.11
|
(18)
bp
|
|
NPAs /
Loans & REO
|
1.69
|
2.41
|
(72)
bp
|
1.97
|
(28)
bp
|
|
Nonaccrual & 90+ & OREO /
Assets
|
0.71
|
1.08
|
(37)
bp
|
0.89
|
(18)
bp
|
|
NPAs & 90+ PD /
Loans & REO
|
1.69
|
2.43
|
(74)
bp
|
1.97
|
(28)
bp
|
|
NPA & Loans 90+ /
Tangible Common Equity + LLR
|
10.29
|
23.16
|
(1,287)
bp
|
12.43
|
(214)
bp
|
|
NCOs /
Avg Loans
|
1.20
|
2.31
|
(111)
bp
|
1.39
|
(19)
bp
|
|
Loan Loss Reserves /
Gross Loans
|
2.10
|
3.12
|
(102)
bp
|
2.24
|
(14)
bp
|
|
Reserves /
NPAs
|
124.12
|
128.98
|
(486)
bp
|
113.53
|
1,059
bp
|
|
Loan Loss Provision /
NCO
|
26.96
|
45.98
|
(1,902)
bp
|
27.07
|
(11)
bp
|
| Per Share Information ($)
|
|
|
Common Shares Outstanding
(actual)
|
40,497,890
|
40,260,213
|
0.59
|
40,508,823
|
(0.11)
|
|
Avg Diluted Shares
(actual)
|
39,491,000
|
39,433,000
|
0.15
|
39,489,000
|
0.02
|
|
Basic Book Value per Share
|
26.62
|
18.24
|
45.94
|
26.36
|
3.95
|
|
As-reported Book Value per Share
|
26.62
|
18.24
|
45.94
|
26.36
|
3.95
|
|
Basic Tangible Book Value per Share
|
18.63
|
10.16
|
83.37
|
18.36
|
5.88
|
|
Reported: Tangible Book Value
|
18.63
|
10.16
|
83.37
|
18.36
|
5.88
|
|
Common Dividends Declared per Share
|
0
|
0
|
0
|
0
|
0
|
|
EPS after Extra
|
0.42
|
0.31
|
35.48
|
0.37
|
54.05
|
|
EPS after Extra Growth
(%)
|
35.50
|
NM
|
NM
|
(45.6)
|
8,107
bp
|
|
Core EPS
|
0.44
|
0.32
|
37.50
|
0.45
|
(8.89)
|
|
Core EPS Growth
(%)
|
36.60
|
NM
|
NM
|
(34.7)
|
7,128
bp
|
|
Diluted EPS before Amortization
|
0.43
|
0.33
|
30.30
|
0.38
|
52.63
|
|
Pre-Provision Earnings Per Share
|
0.34
|
0.44
|
(22.73)
|
0.36
|
(22.22)
|
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