Exhibit

Exhibit 99.2

EverBank Financial Corp and Subsidiaries

Quarterly Financial Tables

March 31, 2017

Table of Contents



Table 1	Financial Highlights

Table 2	Consolidated Statements of Income

Table 3	Consolidated Balance Sheets

Table 4	Business Segments Selected Financial Information

Table 5	Average Balances and Interest Rates

Table 6a	Loans and Leases Held for Investment

Table 6b	Deposits

Table 7	General and Administrative Expense

Table 8	Non-Performing Assets

Table 9a	Allowance for Loan and Lease Losses Activity

Table 9b	Allowance for Loan and Lease Losses Ratio

Table 10	Reconciliation of Non-GAAP Measures

	Table 10a	Adjusted Net Income
	Table 10b	Adjusted Efficiency Ratio
	Table 10c	Regulatory Capital (bank level)
	Table 10d	Regulatory Capital (EFC consolidated)
	Table 10e	Tangible Equity, Tangible Common Equity, Tangible Common Equity Per Common Share and Tangible Assets

Table 11	Residential Mortgage Lending



EverBank Financial Corp and Subsidiaries
Financial Highlights							Table 1
	As of and for the Three Months Ended
(dollars in thousands, except per share amounts)	Mar 31, 2017			Dec 31, 2016			Mar 31, 2016
Operating Results:
Total revenue⁽¹⁾	$	229,602		$	264,304		$	203,534
Net interest income	179,345			189,494			173,781
Provision for loan and lease losses	15,680			21,967			8,919
Noninterest income	50,257			74,810			29,753
Noninterest expense	153,126			151,912			149,430
Net income allocated to common shareholders	36,006			55,790			25,393
Net earnings per common share, diluted	0.28			0.43			0.20
Performance Metrics:
Adjusted net earnings per common share, diluted⁽²⁾	$	0.20		$	0.34		$	0.32
Yield on interest-earning assets	3.89		%	3.82		%	3.85		%
Cost of interest-bearing liabilities	1.29		%	1.16		%	1.14		%
Net interest margin	2.79		%	2.80		%	2.82		%
Return on average assets	0.56		%	0.83		%	0.43		%
Return on average risk-weighted assets⁽³⁾	0.88		%	1.29		%	0.66		%
Return on average equity⁽⁴⁾	7.6		%	12.3		%	6.0		%
Adjusted return on average equity⁽⁵⁾	5.5		%	9.8		%	9.3		%
Efficiency ratio⁽⁶⁾	67		%	57		%	73		%
Adjusted efficiency ratio⁽⁷⁾	72		%	62		%	66		%
Loans and leases held for investment as a percentage of deposits	121		%	120		%	120		%
Loans and leases held for investment excluding government insured pool buyouts as a percentage of deposits	93		%	93		%	97		%
Credit Quality Ratios:
Adjusted non-performing assets as a percentage of total assets⁽⁸⁾	0.60		%	0.70		%	0.53		%
Net charge-offs to average loans and leases held for investment	0.41		%	0.15		%	0.07		%
ALLL as a percentage of loans and leases held for investment	0.41		%	0.44		%	0.37		%
Government insured pool buyouts as a percentage of loans and leases held for investment	24		%	22		%	19		%
Capital:
Common equity tier 1 ratio (EFC consolidated; see Table 10d)	11.0		%	10.5		%	9.9		%
Tier 1 leverage ratio (bank level; see Table 10c)	8.4		%	8.0		%	8.2		%
Total risk-based capital ratio (bank level; see Table 10c)	13.9		%	13.4		%	12.9		%
Tangible common equity per common share⁽⁹⁾	$	14.56		$	14.31		$	13.23
Consumer Banking Metrics:
Unpaid principal balance of loans originated	$	1,618,026		$	2,062,665		$	1,797,131
Jumbo residential mortgage loans originated	695,621			765,775			724,536
Unpaid principal balance of loans serviced for the Company and others	39,918,634			39,945,266			41,013,022
Consumer Banking loans as a percentage of loans and leases held for investment	57		%	55		%	55		%
Consumer deposits	$	14,756,051		$	15,032,056		$	14,685,281
Commercial Banking Metrics:
Loan and lease originations:
Commercial and commercial real estate	$	218,852		$	351,434		$	364,978
Equipment financing receivables	256,476			332,148			299,751
Commercial Banking loan and lease sales	11,586			208,252			277,738
Commercial Banking loans as a percentage of loans and leases held for investment	43		%	45		%	45		%
Commercial deposits	$	4,535,630		$	4,606,172		$	4,311,196
Market Price Per Share of Common Stock:
Closing	$	19.48		$	19.45		$	15.63
High	19.48			19.45			15.96
Low	19.39			19.25			12.58

See Notes to Financial Highlights

EverBank Financial Corp and Subsidiaries

Financial Highlights - Notes

(Dollars in thousands)


(1)	Total revenue is defined as net interest income before provision for loan and lease losses and total noninterest income.

(2)

Adjusted net earnings per common share, diluted is calculated using a numerator based on adjusted net income. Adjusted net earnings per common share, diluted is a non-GAAP financial measure and its most directly comparable GAAP measure is net earnings per common share, diluted. Adjusted net income includes adjustments to our net income for certain significant items that we believe are not reflective of our ongoing business or operating performance. For a reconciliation of adjusted net income to net income, which is the most directly comparable GAAP measure, see Table 10a.

(3)

Return on average risk-weighted assets equals net income divided by average risk-weighted assets. Under the regulatory guidelines for risk-based capital, on-balance sheet assets and credit equivalent amounts of derivatives and off-balance sheet items are assigned to one of several broad risk categories according to the obligor or, if relevant, the guarantor or the nature of any collateral. The aggregate dollar amount in each risk category is then multiplied by the risk weight associated with that category. The resulting weighted values from each of the risk categories are aggregated for determining total risk-weighted assets. For detailed information regarding regulatory capital (EFC consolidated), see Table 10d.


(4)	Return on average equity is calculated as net income less dividends declared on the Series A 6.75% Non-Cumulative Perpetual Preferred Stock divided by average common shareholders' equity (average shareholders' equity less average Series A 6.75% Non-Cumulative Perpetual Preferred Stock).

(5)

Adjusted return on average equity is calculated as adjusted net income less dividends declared on the Series A 6.75% Non-Cumulative Perpetual Preferred Stock divided by average common shareholders' equity. Adjusted net income is a non-GAAP measure of our financial performance and its most directly comparable GAAP measure is net income. For a reconciliation of adjusted net income to net income, see Table 10a.


(6)	The efficiency ratio represents noninterest expense as a percentage of total revenue. We use the efficiency ratio to measure noninterest costs expended to generate a dollar of revenue.

(7)

The adjusted efficiency ratio represents adjusted noninterest expense as a percentage of adjusted total revenue based on adjusted net income. The adjusted efficiency ratio is a non-GAAP measure of our financial performance and its most directly comparable GAAP measure is the efficiency ratio. For a reconciliation of adjusted net income to net income, see Table 10a. For detailed information regarding the adjusted efficiency ratio, see Table 10b. We use the adjusted efficiency ratio to measure adjusted noninterest costs expended to generate a dollar of adjusted revenue.

(8)

We define non-performing assets, or NPA, as non-accrual loans, accruing loans past due 90 days or more and foreclosed property. Our NPA calculation excludes government insured pool buyout loans for which payment is insured by the government. We also exclude loans and foreclosed property accounted for under ASC 310-30 because we expect to fully collect the carrying value of such loans and foreclosed property. For more detailed information on NPA, see Table 8.

(9)

Calculated as tangible common shareholders' equity divided by shares of common stock. Tangible common shareholders' equity equals shareholders' equity less goodwill, other intangible assets and perpetual preferred stock (see Table 10e). Tangible common equity per common share is calculated using a denominator that includes actual period end common shares outstanding. Tangible common equity per common share is a non-GAAP financial measure, and its most directly comparable GAAP financial measure is book value per common share.



EverBank Financial Corp and Subsidiaries
Consolidated Statements of Income							Table 2
	Three Months Ended
(dollars in thousands, except per share data)	Mar 31, 2017			Dec 31, 2016			Mar 31, 2016
Interest Income
Interest and fees on loans and leases	$	245,381		$	250,138		$	231,059
Interest and dividends on investment securities	6,673			7,597			7,404
Other interest income	1,296			664			396
Total interest income	253,350			258,399			238,859
Interest Expense
Deposits	43,086			41,273			39,090
Other borrowings	30,919			27,632			25,988
Total interest expense	74,005			68,905			65,078
Net Interest Income	179,345			189,494			173,781
Provision for loan and lease losses	15,680			21,967			8,919
Net Interest Income after Provision for Loan and Lease Losses	163,665			167,527			164,862
Noninterest Income
Loan servicing fee income	22,908			22,633			23,441
Amortization of mortgage servicing rights	(15,505		)	(18,129		)	(14,731		)
Recovery (impairment) of mortgage servicing rights	22,644			21,192			(22,542		)
Net loan servicing income (loss)	30,047			25,696			(13,832		)
Gain on sale of loans	447			28,184			28,751
Loan production revenue	5,315			6,495			5,260
Deposit fee income	2,000			1,649			3,102
Other lease income	4,042			4,284			4,367
Other	8,406			8,502			2,105
Total noninterest income	50,257			74,810			29,753
Noninterest Expense
Salaries, commissions and other employee benefits expense	91,633			88,736			91,640
Equipment expense	16,314			15,514			15,917
Occupancy expense	6,608			5,867			6,264
General and administrative expense	38,571			41,795			35,609
Total noninterest expense	153,126			151,912			149,430
Income before Provision for Income Taxes	60,796			90,425			45,185
Provision for Income Taxes	22,259			32,104			17,261
Net Income	$	38,537		$	58,321		$	27,924
Net Income Allocated to Preferred Stock	(2,531		)	(2,531		)	(2,531		)
Net Income Allocated to Common Shareholders	$	36,006		$	55,790		$	25,393
Net Earnings per Common Share, Basic	$	0.28		$	0.44		$	0.20
Net Earnings per Common Share, Diluted	$	0.28		$	0.43		$	0.20
Dividends Declared per Common Share	$	0.06		$	0.06		$	0.06
Dividend payout ratio⁽¹⁾	21.43		%	13.64		%	30.00		%
Weighted Average Common Shares Outstanding
(units in thousands)
Basic	127,483			126,175			125,125
Diluted	129,855			128,912			126,045


(1)	Dividend payout ratio is calculated as dividends declared per common share divided by basic earnings per common share.



EverBank Financial Corp and Subsidiaries
Consolidated Balance Sheets													Table 3
(dollars in thousands)	Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
Assets
Cash and due from banks	$	48,160		$	36,654		$	54,380		$	62,512		$	90,478
Interest-bearing deposits in banks	831,496			754,784			534,284			559,434			510,167
Total cash and cash equivalents	879,656			791,438			588,664			621,946			600,645
Investment securities:
Available for sale, at fair value	447,593			485,836			486,902			461,141			504,769
Held to maturity	92,472			89,457			100,928			104,205			101,305
Other investments	263,644			253,018			294,710			271,606			234,406
Total investment securities	803,709			828,311			882,540			836,952			840,480
Loans held for sale	1,440,114			1,443,263			2,112,855			1,485,747			1,137,702
Loans and leases held for investment:
Loans and leases held for investment, net of unearned income	23,400,992			23,556,977			23,932,724			23,218,614			22,756,113
Allowance for loan and lease losses	(95,158		)	(103,304		)	(90,170		)	(84,250		)	(83,485		)
Total loans and leases held for investment, net	23,305,834			23,453,673			23,842,554			23,134,364			22,672,628
Mortgage servicing rights (MSR), net	293,726			273,941			249,106			274,356			312,671
Premises and equipment, net	40,989			43,594			46,525			48,486			50,901
Other assets	1,012,551			1,003,866			980,801			952,459			1,026,372
Total Assets	$	27,776,579		$	27,838,086		$	28,703,045		$	27,354,310		$	26,641,399
Liabilities
Deposits:
Noninterest-bearing	$	1,662,173		$	1,750,529		$	2,071,154		$	1,510,198		$	1,499,063
Interest-bearing	17,629,508			17,887,699			17,572,194			17,301,564			17,497,414
Total deposits	19,291,681			19,638,228			19,643,348			18,811,762			18,996,477
Other borrowings	5,756,000			5,506,000			6,487,000			6,022,000			5,147,000
Trust preferred securities and subordinated notes payable	360,378			360,278			360,179			360,079			365,167
Accounts payable and accrued liabilities	309,157			317,248			316,962			303,110			276,852
Total Liabilities	25,717,216			25,821,754			26,807,489			25,496,951			24,785,496
Shareholders’ Equity
Series A 6.75% Non-Cumulative Perpetual Preferred Stock	150,000			150,000			150,000			150,000			150,000
Common Stock	1,279			1,270			1,254			1,253			1,252
Additional paid-in capital	914,894			905,573			882,386			879,169			877,275
Retained earnings	1,039,357			1,011,011			962,749			935,670			924,165
Accumulated other comprehensive loss	(46,167		)	(51,522		)	(100,833		)	(108,733		)	(96,789		)
Total Shareholders’ Equity	2,059,363			2,016,332			1,895,556			1,857,359			1,855,903
Total Liabilities and Shareholders’ Equity	$	27,776,579		$	27,838,086		$	28,703,045		$	27,354,310		$	26,641,399



EverBank Financial Corp and Subsidiaries
Business Segments Selected Financial Information													Table 4
(dollars in thousands)	Consumer Banking			Commercial Banking			Corporate Services			Eliminations			Consolidated
Three Months Ended March 31, 2017
Net interest income	$	108,556		$	75,756		$	(4,967	)	$	—		$	179,345
Provision for loan and lease losses	120			15,560			—			—			15,680
Net interest income after provision for loan and lease losses	108,436			60,196			(4,967		)	—			163,665
Noninterest income	41,868			8,246			143			—			50,257
Noninterest expense	87,154			33,018			32,954			—			153,126
Income (loss) before income tax	63,150			35,424			(37,778		)	—			60,796
Adjustment items (pre-tax):
Transaction expense and non-recurring regulatory related expense	2,575			—			2,199			—			4,774
Increase (decrease) in Bank of Florida non-accretable discount	—			(24		)	—			—			(24		)
MSR impairment (recovery)	(22,644		)	—			—			—			(22,644		)
Restructuring cost	—			—			227			—			227
Adjusted income (loss) before income tax	$	43,081		$	35,400		$	(35,352	)	$	—		$	43,129
Total assets as of March 31, 2017	$	17,696,696		$	10,299,803		$	283,505		$	(503,425	)	$	27,776,579
Total deposits as of March 31, 2017	14,756,051			4,535,630			—			—			19,291,681

Three Months Ended December 31, 2016
Net interest income	$	109,841		$	84,816		$	(5,163	)	$	—		$	189,494
Provision for loan and lease losses	6,335			15,632			—			—			21,967
Net interest income after provision for loan and lease losses	103,506			69,184			(5,163		)	—			167,527
Noninterest income	62,945			11,138			727			—			74,810
Noninterest expense	90,849			31,539			29,524			—			151,912
Income (loss) before income tax	75,602			48,783			(33,960		)	—			90,425
Adjustment items (pre-tax):
Transaction expense and non-recurring regulatory related expense	33			—			2,459			—			2,492
Increase (decrease) in Bank of Florida non-accretable discount	—			35			—			—			35
MSR impairment (recovery)	(21,192		)	—			—			—			(21,192		)
Restructuring cost	(153		)	—			—			—			(153		)
Adjusted income (loss) before income tax	$	54,289		$	48,819		$	(31,501	)	$	—		$	71,607
Total assets as of December 31, 2016	$	17,360,662		$	10,672,692		$	284,351		$	(479,619	)	$	27,838,086
Total deposits as of December 31, 2016	15,032,056			4,606,172			—			—			19,638,228

Three Months Ended March 31, 2016
Net interest income	$	97,520		$	80,568		$	(4,307	)	$	—		$	173,781
Provision for loan and lease losses	3,334			5,585			—			—			8,919
Net interest income after provision for loan and lease losses	94,186			74,983			(4,307		)	—			164,862
Noninterest income	15,579			14,035			139			—			29,753
Noninterest expense	88,073			32,986			28,371			—			149,430
Income (loss) before income tax	21,692			56,032			(32,539		)	—			45,185
Adjustment items (pre-tax):
Transaction expense and non-recurring regulatory related expense	(328		)	—			259			—			(69		)
Increase (decrease) in Bank of Florida non-accretable discount	—			(22		)	—			—			(22		)
MSR impairment (recovery)	22,542			—			—			—			22,542
Restructuring cost	118			379			209			—			706
Adjusted income (loss) before income tax	$	44,024		$	56,389		$	(32,071	)	$	—		$	68,342
Total assets as of March 31, 2016	$	16,294,379		$	10,486,284		$	298,701		$	(437,965	)	$	26,641,399
Total deposits as of March 31, 2016	14,685,281			4,311,196			—			—			18,996,477



EverBank Financial Corp and Subsidiaries
Average Balances and Interest Rates^{(1) (2) (3)}													Table 5
	Three Months Ended March 31, 2017						Three Months Ended December 31, 2016						Three Months Ended March 31, 2016
(dollars in thousands)	Average Balance		Interest		Yield/ Rate		Average Balance		Interest		Yield/ Rate		Average Balance		Interest		Yield/ Rate
Assets:
Interest-earning assets:
Cash and cash equivalents	$	658,278	$	1,296	0.80	%	$	478,349	$	664	0.55	%	$	312,614	$	396	0.51	%
Investments	797,066		6,673		3.37	%	821,439		7,597		3.69	%	876,401		7,404		3.39	%
Loans held for sale	1,511,061		13,823		3.66	%	2,032,773		16,971		3.34	%	2,023,076		17,156		3.39	%
Loans and leases held for investment:
Consumer Banking:
Residential mortgages:
Residential	6,532,955		50,722		3.11	%	6,614,280		46,075		2.79	%	7,063,490		55,495		3.14	%
Government insured pool buyouts	5,560,690		69,355		4.99	%	5,293,008		67,631		5.11	%	4,429,707		53,479		4.83	%
Residential mortgages	12,093,645		120,077		3.97	%	11,907,288		113,706		3.82	%	11,493,197		108,974		3.79	%
Home equity lines and other	1,251,282		10,735		3.48	%	1,197,056		10,364		3.44	%	524,890		5,317		4.07	%
Commercial Banking:
Commercial and commercial real estate:
Commercial real estate and other commercial	3,795,691		42,787		4.51	%	3,872,777		47,131		4.81	%	4,033,661		48,103		4.75	%
Mortgage warehouse finance	1,809,621		13,904		3.07	%	2,555,703		18,593		2.85	%	1,846,294		12,999		2.79	%
Lender finance	1,592,743		15,208		3.82	%	1,568,450		15,392		3.84	%	1,287,134		11,214		3.45	%
Commercial and commercial real estate	7,198,055		71,899		4.00	%	7,996,930		81,116		3.99	%	7,167,089		72,316		4.01	%
Equipment financing receivables	2,546,616		28,847		4.53	%	2,505,809		27,981		4.47	%	2,377,047		27,296		4.59	%
Total loans and leases held for investment	23,089,598		231,558		4.01	%	23,607,083		233,167		3.93	%	21,562,223		213,903		3.96	%
Total interest-earning assets	26,056,003		$	253,350	3.89	%	26,939,644		$	258,399	3.82	%	24,774,314		$	238,859	3.85	%
Noninterest-earning assets	1,264,535						1,277,903						1,423,049
Total assets	$	27,320,538					$	28,217,547					$	26,197,363
Liabilities and Shareholders’ Equity:
Interest-bearing liabilities:
Deposits:
Interest-bearing demand	$	4,002,510	$	7,202	0.73	%	$	3,762,726	$	6,398	0.68	%	$	3,641,030	$	6,197	0.68	%
Market-based money market accounts	345,271		519		0.61	%	345,330		530		0.61	%	341,235		518		0.61	%
Savings and money market accounts, excluding market-based	6,209,669		11,307		0.74	%	6,307,436		11,117		0.70	%	6,444,921		12,506		0.78	%
Market-based time	318,884		683		0.87	%	322,801		680		0.84	%	369,649		774		0.84	%
Time, excluding market-based	6,785,014		23,375		1.40	%	6,990,162		22,548		1.28	%	6,333,503		19,095		1.20	%
Total deposits	17,661,348		43,086		0.99	%	17,728,455		41,273		0.93	%	17,130,338		39,090		0.91	%
Borrowings:
Trust preferred securities and subordinated notes payable	360,312		5,126		5.69	%	360,213		5,296		5.88	%	293,781		4,462		6.08	%
Long-term FHLB advances	4,911,778		25,412		2.07	%	4,786,685		21,552		1.76	%	3,824,527		20,018		2.07	%
Short-term FHLB advances	240,833		381		0.63	%	727,717		784		0.42	%	1,429,945		1,508		0.42	%
Total borrowings	5,512,923		30,919		2.24	%	5,874,615		27,632		1.85	%	5,548,253		25,988		1.86	%
Total interest-bearing liabilities	23,174,271		74,005		1.29	%	23,603,070		68,905		1.16	%	22,678,591		65,078		1.14	%
Noninterest-bearing demand deposits	1,771,029						2,238,287						1,285,853
Other noninterest-bearing liabilities	341,859						417,869						376,071
Total liabilities	25,287,159						26,259,226						24,340,515
Total shareholders’ equity	2,033,379						1,958,321						1,856,848
Total liabilities and shareholders’ equity	$	27,320,538					$	28,217,547					$	26,197,363
Net interest income/spread			$	179,345	2.60	%			$	189,494	2.66	%			$	173,781	2.71	%
Net interest margin					2.79	%					2.80	%					2.82	%
Memo: Total deposits including noninterest-bearing	$	19,432,377	$	43,086	0.90	%	$	19,966,742	$	41,273	0.82	%	$	18,416,191	$	39,090	0.85	%


(1)	The average balances are principally daily averages, and, for loans, include both performing and non-performing balances.


(2)	Interest income on loans includes the effects of discount accretion and net deferred loan origination costs accounted for as yield adjustments.


(3)	All interest income was fully taxable for all periods presented.



EverBank Financial Corp and Subsidiaries

Loans and Leases Held for Investment													Table 6a
(dollars in thousands)	Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
Consumer Banking:
Residential mortgages:
Residential	$	6,514,620		$	6,564,126		$	6,653,526		$	6,961,746		$	7,254,377
Government insured pool buyouts	5,501,861			5,249,552			5,139,215			4,403,338			4,396,059
Residential mortgages	12,016,481			11,813,678			11,792,741			11,365,084			11,650,436
Home equity lines and other	1,273,057			1,244,332			1,173,155			1,073,656			917,856
Total Consumer Banking	13,289,538			13,058,010			12,965,896			12,438,740			12,568,292
Commercial Banking:
Commercial and commercial real estate:
Commercial real estate and other commercial	3,787,206			3,756,509			3,882,297			3,831,432			3,883,821
Mortgage warehouse finance	2,121,810			2,592,799			3,076,511			3,035,329			2,603,163
Lender finance	1,640,250			1,589,554			1,495,585			1,450,638			1,300,254
Commercial and commercial real estate	7,549,266			7,938,862			8,454,393			8,317,399			7,787,238
Equipment financing receivables	2,562,188			2,560,105			2,512,435			2,462,475			2,400,583
Total Commercial Banking	10,111,454			10,498,967			10,966,828			10,779,874			10,187,821
Loans and leases held for investment, net of unearned income	23,400,992			23,556,977			23,932,724			23,218,614			22,756,113
Allowance for loan and lease losses	(95,158		)	(103,304		)	(90,170		)	(84,250		)	(83,485		)
Total loans and leases held for investment, net	$	23,305,834		$	23,453,673		$	23,842,554		$	23,134,364		$	22,672,628
The balances presented above include:
Net purchased loan and lease discounts	$	110,650		$	104,558		$	82,560		$	71,636		$	63,250
Net deferred loan and lease origination costs	$	124,547		$	123,484		$	125,346		$	125,555		$	125,877

Deposits													Table 6b
(dollars in thousands)	Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
Noninterest-bearing demand	$	1,662,173		$	1,750,529		$	2,071,154		$	1,510,198		$	1,499,063
Interest-bearing demand	4,093,032			3,924,294			3,585,418			3,696,048			3,694,755
Market-based money market accounts	345,462			340,777			353,613			358,649			353,742
Savings and money market accounts, excluding market-based	5,932,401			6,429,407			6,271,548			6,478,326			6,892,789
Market-based time	315,707			316,321			327,472			341,993			358,566
Time, excluding market-based	6,942,906			6,876,900			7,034,143			6,426,548			6,197,562
Total deposits	$	19,291,681		$	19,638,228		$	19,643,348		$	18,811,762		$	18,996,477

General and Administrative Expense													Table 7
	Three Months Ended
(dollars in thousands)	Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
Legal and professional fees, excluding consent order expense	$	6,785		$	6,459		$	11,815		$	5,488		$	4,998
Credit-related expenses	3,086			2,542			6,862			6,388			4,907
FDIC premium assessment and other agency fees	7,362			10,532			8,097			6,903			7,241
Advertising and marketing expense	5,407			7,464			5,685			4,911			4,911
Other	15,931			14,798			13,123			13,910			13,552
Total general and administrative expense	$	38,571		$	41,795		$	45,582		$	37,600		$	35,609



EverBank Financial Corp and Subsidiaries
Non-Performing Assets⁽¹⁾													Table 8
(dollars in thousands)	Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
Non-accrual loans and leases:
Consumer Banking:
Residential mortgages	$	31,832		$	32,405		$	33,607		$	27,580		$	28,644
Home equity lines and other	6,256			7,083			6,741			6,678			6,151
Commercial Banking:
Commercial and commercial real estate	79,165			102,255			106,790			65,962			66,945
Equipment financing receivables	40,969			41,141			37,677			28,833			26,676
Total non-accrual loans and leases	158,222			182,884			184,815			129,053			128,416
Total non-performing loans (NPL)	158,222			182,884			184,815			129,053			128,416
Other real estate owned (OREO)	8,622			11,390			11,866			13,477			14,072
Total non-performing assets (NPA)	166,844			194,274			196,681			142,530			142,488
Troubled debt restructurings (TDR) less than 90 days past due	15,460			14,118			14,865			14,760			15,814
Total NPA and TDR⁽¹⁾	$	182,304		$	208,392		$	211,546		$	157,290		$	158,302

Total NPA and TDR	$	182,304		$	208,392		$	211,546		$	157,290		$	158,302
Government insured 90 days or more past due still accruing	3,928,264			3,725,159			3,706,213			3,211,913			3,255,744
Loans accounted for under ASC 310-30:
90 days or more past due	2,705			3,437			3,823			4,130			4,858
Total regulatory NPA and TDR	$	4,113,273		$	3,936,988		$	3,921,582		$	3,373,333		$	3,418,904
Adjusted credit quality ratios excluding government insured loans and loans accounted for under ASC 310-30:⁽¹⁾
NPL to total loans	0.64		%	0.73		%	0.71		%	0.52		%	0.54		%
NPA to total assets	0.60		%	0.70		%	0.69		%	0.52		%	0.53		%
NPA and TDR to total assets	0.66		%	0.75		%	0.74		%	0.58		%	0.59		%
Credit quality ratios including government insured loans and loans accounted for under ASC 310-30:
NPL to total loans	16.52		%	15.71		%	15.01		%	13.59		%	14.23		%
NPA to total assets	14.75		%	14.09		%	13.61		%	12.28		%	12.77		%
NPA and TDR to total assets	14.81		%	14.14		%	13.66		%	12.33		%	12.83		%

(1)



EverBank Financial Corp and Subsidiaries

Allowance for Loan and Lease Losses Activity													Table 9a
	Three Months Ended
(dollars in thousands)	Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
ALLL, beginning of period	$	103,304		$	90,170		$	84,250		$	83,485		$	78,137
Charge-offs:
Consumer Banking:
Residential mortgages	1,058			2,399			2,290			2,176			1,845
Home equity lines and other	331			735			505			275			219
Commercial Banking:
Commercial and commercial real estate	19,999			3,886			79			—			69
Equipment financing receivables	3,525			3,005			4,006			3,935			2,564
Total charge-offs	24,913			10,025			6,880			6,386			4,697
Recoveries:
Consumer Banking:
Residential mortgages	150			156			57			272			232
Home equity lines and other	159			93			52			69			80
Commercial Banking:
Commercial and commercial real estate	314			1			133			4			77
Equipment financing receivables	464			942			488			794			737
Total recoveries	1,087			1,192			730			1,139			1,126
Net charge-offs	23,826			8,833			6,150			5,247			3,571
Provision for loan and lease losses	15,680			21,967			12,070			6,012			8,919
ALLL, end of period	$	95,158		$	103,304		$	90,170		$	84,250		$	83,485
Net charge-offs to average loans and leases held for investment	0.41		%	0.15		%	0.10		%	0.09		%	0.07		%

Allowance for Loan and Lease Losses Ratio													Table 9b
(dollars in thousands)	Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
ALLL	$	95,158		$	103,304		$	90,170		$	84,250		$	83,485
Loans and leases held for investment, net of unearned income	23,400,992			23,556,977			23,932,724			23,218,614			22,756,113
ALLL as a percentage of loans and leases held for investment	0.41		%	0.44		%	0.38		%	0.36		%	0.37		%
Government insured pool buyouts as a percentage of loans and leases held for investment	24		%	22		%	21		%	19		%	19		%



EverBank Financial Corp and Subsidiaries
Reconciliation of Non-GAAP Measures

Adjusted Net Income													Table 10a
	Three Months Ended
(dollars in thousands, except per share data)	Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
Net income	$	38,537		$	58,321		$	37,131		$	21,555		$	27,924
Gain on repurchase of trust preferred securities, net of tax	—			—			—			(916		)	—
Transaction expense and non-recurring regulatory related expense, net of tax	3,644			1,545			4,220			187			(43		)
Increase (decrease) in Bank of Florida non-accretable discount, net of tax	(15		)	22			—			(201		)	(14		)
MSR impairment (recovery), net of tax	(14,039		)	(13,140		)	14,365			22,861			13,976
Restructuring cost, net of tax	141			(95		)	(1,589		)	(442		)	438
Adjusted net income	$	28,268		$	46,653		$	54,127		$	43,044		$	42,281
Adjusted net income allocated to preferred stock	2,531			2,531			2,532			2,531			2,531
Adjusted net income allocated to common shareholders	$	25,737		$	44,122		$	51,595		$	40,513		$	39,750
Adjusted net earnings per common share, basic	$	0.20		$	0.35		$	0.41		$	0.32		$	0.32
Adjusted net earnings per common share, diluted	$	0.20		$	0.34		$	0.40		$	0.32		$	0.32
Weighted average common shares outstanding:
(units in thousands)
Basic	127,483			126,175			125,382			125,294			125,125
Diluted	129,855			128,912			127,453			126,612			126,045

Adjusted Efficiency Ratio													Table 10b
	Three Months Ended
(dollars in thousands)	Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
Net interest income	$	179,345		$	189,494		$	189,635		$	177,440		$	173,781
Noninterest income	50,257			74,810			43,334			19,168			29,753
Total revenue	229,602			264,304			232,969			196,608			203,534
Adjustment items (pre-tax):
Gain on repurchase of trust preferred securities	—			—			—			(1,478		)	—
MSR impairment (recovery)	(22,644		)	(21,192		)	23,170			36,872			22,542
Restructuring cost	—			(4		)	—			(129		)	—
Adjusted total revenue	$	206,958		$	243,108		$	256,139		$	231,873		$	226,076

Noninterest expense	$	153,126		$	151,912		$	161,765		$	155,840		$	149,430
Adjustment items (pre-tax):
Transaction expense and non-recurring regulatory related expense	(4,774		)	(2,492		)	(6,806		)	(302		)	69
Restructuring cost	(227		)	149			2,563			584			(706		)
Adjusted noninterest expense	$	148,125		$	149,569		$	157,522		$	156,122		$	148,793

GAAP efficiency ratio	67		%	57		%	69		%	79		%	73		%
Adjusted efficiency ratio	72		%	62		%	61		%	67		%	66		%



EverBank Financial Corp and Subsidiaries
Reconciliation of Non-GAAP Measures (continued)

Regulatory Capital (bank level)															Table 10c
(dollars in thousands)			Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
Shareholders’ equity			$	2,298,542		$	2,261,883		$	2,161,524		$	2,124,090		$	2,123,612
Less:	Goodwill and other intangibles		(47,207		)	(47,152		)	(47,227		)	(47,318		)	(47,401		)
	Disallowed servicing asset		—			—			—			—			(8,618		)
Add:	Accumulated losses on securities and cash flow hedges		45,786			51,018			100,140			107,834			95,611
Tier 1 capital		(A)	2,297,121			2,265,749			2,214,437			2,184,606			2,163,204
Add:	Allowance for loan and lease losses		95,902			104,143			90,948			84,994			84,134
Total regulatory capital		(B)	$	2,393,023		$	2,369,892		$	2,305,385		$	2,269,600		$	2,247,338

Adjusted total assets		(C)	$	27,311,415		$	28,208,963		$	28,189,485		$	26,946,525		$	26,232,737
Risk-weighted assets		(D)	17,217,435			17,677,886			18,435,220			17,998,277			17,362,622

Tier 1 leverage ratio		(A)/(C)	8.4		%	8.0		%	7.9		%	8.1		%	8.2		%
Tier 1 risk-based capital ratio		(A)/(D)	13.3		%	12.8		%	12.0		%	12.1		%	12.5		%
Total risk-based capital ratio		(B)/(D)	13.9		%	13.4		%	12.5		%	12.6		%	12.9		%

Regulatory Capital (EFC consolidated)															Table 10d
(dollars in thousands)			Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
Shareholders’ equity			$	2,059,363		$	2,016,332		$	1,895,556		$	1,857,359		$	1,855,903
Less:	Preferred stock		(150,000		)	(150,000		)	(150,000		)	(150,000		)	(150,000		)
	Goodwill and other intangibles		(47,207		)	(47,152		)	(47,227		)	(47,318		)	(47,401		)
	Disallowed servicing asset		(12,697		)	(6,593		)	(3,060		)	(16,132		)	(33,609		)
Add:	Accumulated losses on securities and cash flow hedges		46,167			51,522			100,833			108,733			96,789
Common tier 1 capital		(E)	1,895,626			1,864,109			1,796,102			1,752,642			1,721,682
Add:	Preferred stock		150,000			150,000			150,000			150,000			150,000
Add:	Additional tier 1 capital (trust preferred securities)		98,750			98,750			98,750			98,750			103,750
Tier 1 capital		(F)	2,144,376			2,112,859			2,044,852			2,001,392			1,975,432
Add:	Subordinated notes payable		261,628			261,528			261,428			261,329			261,417
Add:	Allowance for loan and lease losses		95,902			104,143			90,948			84,994			84,134
Total regulatory capital		(G)	$	2,501,906		$	2,478,530		$	2,397,228		$	2,347,715		$	2,320,983

Adjusted total assets		(H)	$	27,306,386		$	28,215,972		$	28,192,055		$	26,917,493		$	26,220,573
Risk-weighted assets		(I)	17,220,728			17,686,099			18,448,080			17,990,693			17,349,099

Common equity tier 1 ratio		(E)/(I)	11.0		%	10.5		%	9.7		%	9.7		%	9.9		%
Tier 1 leverage ratio		(F)/(H)	7.9		%	7.5		%	7.3		%	7.4		%	7.5		%
Tier 1 risk-based capital ratio		(F)/(I)	12.5		%	12.0		%	11.1		%	11.1		%	11.4		%
Total risk-based capital ratio		(G)/(I)	14.5		%	14.0		%	13.0		%	13.0		%	13.4		%



EverBank Financial Corp and Subsidiaries
Reconciliation of Non-GAAP Measures (continued)

Tangible Equity, Tangible Common Equity, Tangible Common Equity Per Common Share and Tangible Assets									Table 10e

(dollars in thousands except share and per share amounts)	Mar 31, 2017		Dec 31, 2016		Sep 30, 2016		Jun 30, 2016		Mar 31, 2016
Shareholders’ equity	$	2,059,363	$	2,016,332	$	1,895,556	$	1,857,359	$	1,855,903
Less:
Goodwill	46,859		46,859		46,859		46,859		46,859
Intangible assets	817		996		1,176		1,355		1,535
Tangible equity	2,011,687		1,968,477		1,847,521		1,809,145		1,807,509
Less:
Perpetual preferred stock	150,000		150,000		150,000		150,000		150,000
Tangible common equity	$	1,861,687	$	1,818,477	$	1,697,521	$	1,659,145	$	1,657,509

Common shares outstanding at period end	127,819,917		127,036,740		125,437,973		125,324,413		125,247,099
Book value per common share	$	14.94	$	14.69	$	13.92	$	13.62	$	13.62
Tangible common equity per common share	14.56		14.31		13.53		13.24		13.23

Total assets	$	27,776,579	$	27,838,086	$	28,703,045	$	27,354,310	$	26,641,399
Less:
Goodwill	46,859		46,859		46,859		46,859		46,859
Intangible assets	817		996		1,176		1,355		1,535
Tangible assets	$	27,728,903	$	27,790,231	$	28,655,010	$	27,306,096	$	26,593,005



EverBank Financial Corp and Subsidiaries
Residential Mortgage Lending													Table 11
	Three Months Ended
(dollars in thousands)	Mar 31, 2017			Dec 31, 2016			Sep 30, 2016			Jun 30, 2016			Mar 31, 2016
Key Metrics:
Mortgage lending volume:
Agency	$	815,957		$	1,139,018		$	1,466,079		$	1,297,388		$	872,338
Jumbo	695,621			765,775			869,808			883,252			724,536
Other	106,448			157,872			195,652			225,003			200,257
Mortgage lending volume	$	1,618,026		$	2,062,665		$	2,531,539		$	2,405,643		$	1,797,131
Mortgage loans sold:⁽¹⁾
Agency, excluding GNMA II	$	977,584		$	1,417,060		$	1,235,695		$	1,222,678		$	828,796
Jumbo	276,954			708,514			320,960			456,140			981,304
GNMA II	—			—			—			3,362			7,308
Other	15,766			11,637			17,287			11,128			5,026
Mortgage loans sold	$	1,270,304		$	2,137,211		$	1,573,942		$	1,693,308		$	1,822,434
Applications	$	1,200,625		$	1,162,949		$	1,713,655		$	1,557,100		$	1,509,883
Rate locks	1,208,922			1,136,190			1,669,722			1,564,302			1,486,128
Mortgage Lending Volume by Channel:
Retail	$	919,425		$	1,406,276		$	1,782,100		$	1,750,962		$	1,253,682
Consumer Direct	347,488			426,414			483,431			388,128			244,149
Correspondent	351,113			229,974			266,008			266,553			299,301
Purchase Activity (%):
Retail	74		%	59		%	60		%	65		%	59		%
Consumer Direct	36		%	19		%	17		%	14		%	8		%
Correspondent	79		%	72		%	76		%	74		%	69		%
Total	67		%	52		%	54		%	58		%	54		%


(1)	Excludes sales of loans to third party servicers out of government insured pool buyouts accounted for under ASC 310-30 since additional cash flows expected and/or realized in the pool are not recognized into earnings immediately but come in as a prospective adjustment to yield for the remainder of the pool.