Specialty Finance Company Deals
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Select Period:
 2016 FQ42015 FQ4 2016 FQ3 
Period Ended12/31/201612/31/2015Y-Y Ch (%)9/30/2016 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets 48,926,55550,317,796 (2.76) 49,462,620 (4.34)
Total Net Loans 39,308,01638,011,9953.4139,671,237 (3.66)
Total Deposits 28,887,90328,426,7581.6229,139,599 (3.46)
Profitability (%)   
Net Income ($000)  113,733(404,807)NM125,299 (36.92)
Net Income Attributable to Parent ($000)  113,733(404,807)NM125,299 (36.92)
ROAA 0.92(3.28)420  bp 1.02 (10)  bp
Core ROAA 0.931.50 (57)  bp 1.03 (10)  bp
ROAE 7.43(27.82)3,525  bp 8.24 (81)  bp
ROATCE 12.27(47.91)6,018  bp 13.69 (142)  bp
Core ROAE 7.5212.77 (525)  bp 8.36 (84)  bp
Net Interest Margin 2.842.93 (9)  bp 2.90 (6)  bp
Reported: Net Interest Margin 2.862.95 (9)  bp 2.91 (5)  bp
Efficiency Ratio 47.8942.44545  bp 44.25364  bp
Noninterest Inc / Operating Rev 7.988.35 (37)  bp 11.22 (324)  bp
Balance Sheet Ratios (%)   
Loans / Deposits 135.28133.06222  bp 134.3593  bp
Securities / Assets 9.0413.61 (457)  bp 8.9212  bp
Total Equity / Total Assets 12.5211.7973  bp 12.3121  bp
Tangible Equity / Tangible Assets 7.937.3063  bp 7.7716  bp
Tang Common Equity / Tang Assets 7.937.3063  bp 7.7716  bp
Asset Quality (%)   
NPAs / Assets 0.150.132  bp 0.123  bp
NPA Excl Restructured / Assets 0.140.122  bp 0.113  bp
NPAs & 90+ PD / Assets 0.150.132  bp 0.123  bp
NPAs / Loans & REO 0.190.181  bp 0.163  bp
Nonaccrual & 90+ & OREO / Assets 0.140.122  bp 0.113  bp
NPAs & 90+ PD / Loans & REO 0.190.181  bp 0.163  bp
NPA & Loans 90+ / Tangible Common Equity + LLR 1.851.7312  bp 1.5629  bp
NCOs / Avg Loans 0.02(0.01)3  bp 02  bp
Loan Loss Reserves / Gross Loans 0.460.47 (1)  bp 0.451  bp
Reserves / NPAs 254.38280.47 (2,609)  bp 300.69 (4,631)  bp
Loan Loss Provision / NCO 221.27NMNMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)  3,748,2313,558,4155.333,709,0884.22
Tier 1 Capital ($000)  3,748,2313,644,8722.843,709,0884.22
Tier 2 Capital ($000)  529,528442,04119.79531,608 (1.57)
Total Capital ($000)  4,277,7594,086,9134.674,240,6963.50
Total Risk-weighted Assets ($000)  35,304,43335,769,76535,304,43336,187,23835,304,433
Tier 1 Common Capital (CET1) Ratio (%)  10.629.9567  bp 10.2537  bp
Tier 1 Ratio (%)  10.6210.1943  bp 10.2537  bp
Total Capital Ratio (%)  12.1211.4369  bp 11.7240  bp
Liquidity Coverage Ratio (%)  NANANANANA
Leverage Ratio (%)  8.007.7723  bp 7.955  bp
Supplementary Leverage Ratio (%)  NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual)  487,056,676484,943,3080.44487,066,151 (0.01)
Avg Diluted Shares (actual)  485,337,734468,289,6243.64485,352,998 (0.01)
Basic Book Value per Share 12.5712.242.7012.502.24
As-reported Book Value per Share 12.5712.242.7012.502.24
Basic Tangible Book Value per Share 7.577.214.997.503.73
Reported: Tangible Book Value 7.577.214.997.503.73
Common Dividends Declared per Share 0.170.25 (32) 0.170
EPS after Extra 0.23(0.87)NM0.26 (46.15)
EPS after Extra Growth (%)  NMNMNM0NM
Core EPS 0.230.40 (42.50) 0.26 (46.15)
Core EPS Growth (%)  (41.3)50.40 (9,173)  bp 0.80 (4,208)  bp
Diluted EPS before Amortization 0.23(0.87)NM0.26 (46.15)
Pre-Provision Earnings per Share 0.240.29 (17.24) 0.27 (44.44)
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   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.