Specialty Finance Company Deals
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Select Period:
 2017 FQ12016 FQ1 2016 FQ4 
Period Ended3/31/20173/31/2016Y-Y Ch (%)12/31/2016 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets 48,824,56448,515,5720.6448,926,555 (0.83)
Total Net Loans 38,973,21538,453,9361.3539,308,016 (3.41)
Total Deposits 28,726,54628,982,312 (0.88) 28,887,903 (2.23)
Profitability (%)   
Net Income ($000)  103,957129,909 (19.98) 113,733 (34.38)
Net Income Attributable to Parent ($000)  103,957129,909 (19.98) 113,733 (34.38)
ROAA 0.851.04 (19)  bp 0.92 (7)  bp
Core ROAA 0.841.05 (21)  bp 0.93 (9)  bp
ROAE 6.678.70 (203)  bp 7.43 (76)  bp
ROATCE 11.1214.65 (353)  bp 12.27 (115)  bp
Core ROAE 6.598.78 (219)  bp 7.53 (94)  bp
Net Interest Margin 2.712.93 (22)  bp 2.84 (13)  bp
Reported: Net Interest Margin 2.712.94 (23)  bp 2.86 (15)  bp
Efficiency Ratio 51.3843.15823  bp 47.87351  bp
Noninterest Inc / Operating Rev 9.159.54 (39)  bp 8.02113  bp
Balance Sheet Ratios (%)   
Loans / Deposits 135.52131.67385  bp 135.2824  bp
Securities / Assets 8.779.86 (109)  bp 9.04 (27)  bp
Total Equity / Total Assets 13.6112.34127  bp 12.52109  bp
Tangible Equity / Tangible Assets 9.087.70138  bp 7.93115  bp
Tang Common Equity / Tang Assets 7.997.7029  bp 7.936  bp
Asset Quality (%)   
NPAs / Assets 0.150.141  bp 0.150  bp
NPA Excl Restructured / Assets 0.140.131  bp 0.140  bp
NPAs & 90+ PD / Assets 0.150.141  bp 0.150  bp
NPAs / Loans & REO 0.200.182  bp 0.191  bp
Nonaccrual & 90+ & OREO / Assets 0.140.131  bp 0.140  bp
NPAs & 90+ PD / Loans & REO 0.200.182  bp 0.191  bp
NPA & Loans 90+ / Tangible Common Equity + LLR 1.911.8110  bp 1.856  bp
NCOs / Avg Loans 0.06(0.01)7  bp 0.024  bp
Loan Loss Reserves / Gross Loans 0.440.46 (2)  bp 0.46 (2)  bp
Reserves / NPAs 232.82266.47 (3,365)  bp 254.38 (2,156)  bp
Loan Loss Provision / NCO (71.23)NMNM221.27 (29,250)  bp
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000)  3,767,9203,606,1694.493,748,2312.10
Tier 1 Capital ($000)  4,271,0363,606,16918.443,748,23155.79
Tier 2 Capital ($000)  519,359530,191 (2.04) 529,528 (7.68)
Total Capital ($000)  4,790,3954,136,36015.814,277,75947.94
Total Risk-weighted Assets ($000)  34,932,35635,097,47434,932,35635,304,43334,932,356
Tier 1 Common Capital (CET1) Ratio (%)  10.7910.2752  bp 10.6217  bp
Tier 1 Ratio (%)  12.2310.27196  bp 10.62161  bp
Total Capital Ratio (%)  13.7111.79192  bp 12.12159  bp
Liquidity Coverage Ratio (%)  NANANANANA
Leverage Ratio (%)  9.247.60164  bp 8.00124  bp
Basel III Leverage Ratio (%)  NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual)  488,953,712486,929,8140.42487,056,6761.56
Avg Diluted Shares (actual)  486,511,756484,605,3970.39485,337,7340.97
Basic Book Value per Share 12.5712.292.2812.570
As-reported Book Value per Share 12.5712.292.2812.570
Basic Tangible Book Value per Share 7.587.284.127.570.53
Reported: Tangible Book Value 7.587.284.127.570.53
Common Dividends Declared per Share 0.170.1700.170
EPS after Extra 0.210.27 (22.22) 0.23 (34.78)
EPS after Extra Growth (%)  (22.2)0 (2,222)  bp NMNM
Core EPS 0.210.27 (22.22) 0.23 (34.78)
Core EPS Growth (%)  (23.9)0.20 (2,409)  bp (41.3)1,736  bp
Diluted EPS before Amortization 0.210.27 (22.22) 0.23 (34.78)
Pre-Provision Earnings per Share 0.210.28 (25) 0.24 (50)
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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.