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Financial Highlights
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 2013 FQ12012 FQ1 2012 FQ4 
Period Ended3/31/20133/31/2012Y-Y Ch (%)12/31/2012 Q-Q Ch (%)†
Balance Sheet ($000)   
Total Assets54,110,56452,896,3072.3055,511,918 (10.10)
Total Net Loans37,082,19735,858,8473.4137,020,8110.66
Total Deposits44,490,19543,099,0883.2346,133,073 (14.24)
Equity Attributable to Parent Company6,355,4056,389,113 (0.53) 6,052,06920.05
Total Equity6,350,6536,386,778 (0.57) 6,048,64119.97
Profitability (%)   
Net Income ($000) 110,38789,40323.4757,686365.43
Net Income Attributable to Parent ($000) 110,72389,67623.4758,252360.30
ROAA0.820.6814  bp 0.4339  bp
Core ROAA0.860.7115  bp 0.806  bp
ROAE7.105.11199  bp 3.85325  bp
ROATCE9.253.17608  bp 4.11514  bp
Core ROAE7.455.30215  bp 7.2322  bp
Net Interest Margin3.403.67 (27)  bp 3.48 (8)  bp
Reported: Net Interest Margin3.443.69 (25)  bp 3.47 (3)  bp
Efficiency Ratio71.5268.58294  bp 70.7973  bp
Noninterest Inc / Operating Rev23.0420.41263  bp 22.6539  bp
Balance Sheet Ratios/ Capital (%)   
Loans / Deposits84.8885.12 (24)  bp 81.64324  bp
Securities / Assets7.918.10 (19)  bp 7.4051  bp
Total Equity / Total Assets11.7412.07 (33)  bp 10.9084  bp
Tangible Equity / Tangible Assets9.9710.24 (27)  bp 9.1582  bp
Tang Common Equity / Tang Assets7.536.8964  bp 7.0944  bp
Tier 1 Common Capital Ratio10.079.7136  bp 9.8027  bp
Tier 1 Ratio14.0814.83 (75)  bp 13.3870  bp
Risk-based Capital Ratio15.7516.76 (101)  bp 15.0570  bp
Leverage Ratio (Bank, BHC Only)11.5512.17 (62)  bp 10.9659  bp
Core Cap / Tang Assets (OTS Only)NANANANANA
Asset Quality (%)   
NPAs / Assets2.012.61 (60)  bp 2.03 (2)  bp
NPA Excl Restructured / Assets1.241.85 (61)  bp 1.30 (6)  bp
NPAs & 90+ PD / Assets2.032.68 (65)  bp 2.05 (2)  bp
NPAs / Loans & REO2.893.80 (91)  bp 3.01 (12)  bp
Nonaccrual & 90+ & OREO / Assets1.261.92 (66)  bp 1.32 (6)  bp
NPAs & 90+ PD / Loans & REO2.933.91 (98)  bp 3.04 (11)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR22.7330.95 (822)  bp 23.93 (120)  bp
NCOs / Avg Loans0.190.60 (41)  bp 0.20 (1)  bp
Loan Loss Reserves / Gross Loans2.222.74 (52)  bp 2.36 (14)  bp
Reserves / NPAs77.5073.28422  bp 79.43 (193)  bp
Loan Loss Provision / NCO(162.73)28.74 (19,147)  bp (55.15) (10,758)  bp
Per Share Information ($)   
Common Shares Outstanding (actual) 184,246,471184,228,1780.01184,199,1980.10
Avg Diluted Shares (actual) 183,655,129182,963,8280.38183,456,1090.43
Basic Book Value per Share27.4325.258.6326.7310.48
As-reported Book Value per Share27.4325.258.6326.7310.48
Basic Tangible Book Value per Share21.6719.3911.7620.9513.75
Reported: Tangible Book Value21.6719.3911.7620.9513.75
Common Dividends Declared per Share0.010.0100.010
EPS after Extra0.480.14242.860.19610.53
EPS after Extra Growth (%) 242.9075.0016,786  bp (20.8)26,369  bp
Core EPS0.510.16218.750.4643.48
Core EPS Growth (%) 224.20277.20 (5,298)  bp 58.8016,541  bp
Diluted EPS before Amortization0.500.16212.500.22509.09
Pre-Provision Earnings Per Share0.390.2185.710.40 (10)
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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.



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