0000889936-13-000042.txt : 20130718 0000889936-13-000042.hdr.sgml : 20130718 20130718073254 ACCESSION NUMBER: 0000889936-13-000042 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 4 CONFORMED PERIOD OF REPORT: 20130718 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20130718 DATE AS OF CHANGE: 20130718 FILER: COMPANY DATA: COMPANY CONFORMED NAME: PRIVATEBANCORP, INC CENTRAL INDEX KEY: 0000889936 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 363681151 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-34066 FILM NUMBER: 13973901 BUSINESS ADDRESS: STREET 1: 120 SOUTH LASALLE STREET STREET 2: 4TH FLOOR CITY: CHICAGO STATE: IL ZIP: 60603 BUSINESS PHONE: 3126837100 MAIL ADDRESS: STREET 1: 120 SOUTH LASALLE STREET STREET 2: 4TH FLOOR CITY: CHICAGO STATE: IL ZIP: 60603 FORMER COMPANY: FORMER CONFORMED NAME: PRIVATEBANCORP INC DATE OF NAME CHANGE: 19990408 8-K 1 pvtb06302013form8-ker.htm 8-K PVTB 06.30.2013 Form 8-K ER



UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
 
FORM 8-K
 
 
CURRENT REPORT
Pursuant to Section 13 or 15(d) of
the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): July 18, 2013
 
 
PRIVATEBANCORP, INC.
(Exact Name of Registrant as Specified in its Charter)
 
 
 
Delaware
 
001-34066
 
36-3681151
(State or other jurisdiction
of incorporation)
 
(Commission
file number)
 
(I.R.S. employer
identification no.)

120 S. LaSalle St.
Suite 400
Chicago, Illinois
 
60603
(Address of principal executive offices)
 
(Zip Code)
Registrant’s telephone number, including area code: (312) 564-2000
Not Applicable
(Former name or former address, if changed since last report)
 
 Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (See General Instruction A.2 below):
 
¨
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
¨
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
¨
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
¨
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))






ITEM 2.02
RESULTS OF OPERATIONS AND FINANCIAL CONDITION
On July 18, 2013, PrivateBancorp, Inc. (the “Company”) announced its earnings results for the second quarter and six months ended June 30, 2013. Attached as Exhibit 99.1 is a copy of the press release relating to the Company’s earnings results, which is incorporated herein by reference. Certain supplemental information relating to non-GAAP financial measures is reported in the attached press release in Exhibit 99.1.
 
ITEM 9.01
FINANCIAL STATEMENTS AND EXHIBITS
(d) Exhibits
 
Exhibit
  
Description
 
 
 
99.1
  
Second Quarter 2013 Earnings Release dated July 18, 2013 (intended to be deemed furnished with the Commission rather than filed pursuant to General Instruction B.2. to Form 8-K)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
 
 
 
 
PRIVATEBANCORP, INC.
 
 
 
 
 
 
 
Dated: July 18, 2013
 
 
 
By:
 
/s/ Kevin M. Killips
 
 
 
 
 
 
Kevin M. Killips
 
 
 
 
 
 
Chief Financial Officer
INDEX TO EXHIBITS
 
Exhibit
  
Description
 
 
 
99.1
  
Second Quarter 2013 Earnings Release dated July 18, 2013


 EX-99.1 2 ex991pvtb06302013earningsr.htm EXHIBIT 99.1 EX 99.1 PVTB 06.30.2013 Earnings Release
Exhibit 99.1


For further information:

Media Contact:
Amy Yuhn
312-564-1378
ayuhn@theprivatebank.com

Investor Relations Contact:
Sarah Lewensohn
312-564-3894
slewensohn@theprivatebank.com


PrivateBancorp Reports Second Quarter Earnings
Earnings per share of $0.37, up 6 percent from first quarter 2013 and 95 percent from
second quarter 2012

CHICAGO, July 18, 2013 - PrivateBancorp, Inc. (NASDAQ: PVTB) today reported net income available to common shareholders of $28.9 million, or $0.37 per diluted share, for the second quarter 2013, compared to $27.3 million, or $0.35 per diluted share, for the first quarter 2013 and $14.1 million, or $0.19 per diluted share, for the second quarter 2012. For the six months ended June 30, 2013, the Company had net income available to common shareholders of $56.2 million, or $0.72 per diluted share, as compared to $24.9 million, or $0.34 per diluted share, for the six months ended June 30, 2012.

“This was another quarter of strong performance for us. Our consistent focus on client development, the continued benefit of improving credit quality and our commitment to managing costs and increasing efficiencies drove second quarter net income to $28.9 million, a 6 percent increase from the first quarter and doubled from a year ago,” said Larry D. Richman, President and Chief Executive Officer, PrivateBancorp, Inc. “We continued to add new clients who are consistent with our strategy and most of our growth was in commercial and industrial loans, although loan demand remained low and the environment is competitive. We remain selective and disciplined in business development, with a focus on clients who want a full banking relationship with us. We believe this approach will benefit us as we position our business for greater returns as the economy continues to improve.”

Second Quarter 2013 Highlights

•
Net income of $28.9 million, or $0.37 per share, increased 6 percent as compared to the first quarter 2013 as a result of lower provision for loan losses and non-interest expenses.
•
Operating profit increased to $56.3 million, as compared to $55.3 million for the previous quarter, and included $3.0 million of non-recurring expenses and a $1.9 million positive credit valuation adjustment.
•
Total loans as of June 30, 2013, were $10.1 billion, an increase of $60.8 million from the previous quarter end, with the majority of growth in commercial and industrial loan balances.

1

•
Net interest margin was 3.22 percent, an increase of 3 basis points as compared to the previous quarter from lower deposit costs and higher loan yields.
•
Nonperforming assets declined 12 percent to $178.9 million from the prior quarter, benefiting from sales of non-performing loans and other real estate owned. Nonperforming assets to total assets were 1.33 percent at June 30, 2013, compared to 1.51 percent at March 31, 2013, and 2.47 percent at June 30, 2012.

Operating Performance

Net revenue was $133.5 million in the second quarter 2013, compared to $134.3 million in the first quarter 2013 and $132.3 million in the second quarter 2012. Operating profit was $56.3 million in the second quarter 2013, compared to $55.3 million in the first quarter 2013 and $48.4 million in the second quarter 2012. The results for the second quarter 2013 reflected a $692,000 increase of net interest income, a $954,000 decline of fee revenue and the benefit of a $1.9 million positive credit valuation adjustment (“CVA”), as compared to a positive $246,000 CVA in the previous quarter. Operating profit for the second quarter 2013 included $2.0 million of restructuring charges and a $1.0 million write-down on repurchased loans.

Net interest income was $103.7 million in the second quarter 2013, compared to $103.0 million in the first quarter 2013 and $105.3 million for the second quarter 2012. Net interest margin was 3.22 percent in the second quarter 2013, compared to 3.19 percent in the first quarter 2013 and 3.46 percent in the second quarter 2012. The increase of net interest margin as compared to the previous quarter was the result of lower rates paid on deposits and the positive impact of higher loan yields.

Non-interest income was $29.0 million in the second quarter 2013, compared to $30.5 million in the first quarter 2013 and $26.2 million in the second quarter 2012. Trust and investments fees increased $406,000, or 9 percent, to $4.8 million, supported by the growth of assets under management and administration in the first half 2013. Treasury management benefited from continued cross-sell success and increased $285,000, or 5 percent, to $6.2 million as compared to the previous quarter. Mortgage banking revenue was $3.2 million, a 23 percent reduction from the previous quarter, reflecting an industry-wide slowdown in refinancing activity. Syndication revenue declined from the record level achieved in the first quarter 2013 to $3.1 million on lower transaction volume in the quarter. Deposit service charges and fees and other income, which in the previous quarter benefited from a $1.1 million gain on loan sale, declined by $1.2 million.

Capital markets revenue of $6.0 million in the second quarter was up from $5.0 million in the previous quarter. Excluding CVA, capital markets revenue declined $627,000 from the previous quarter, reflecting clients' outlook on interest rates.

Net securities gains were $136,000 for the second quarter as compared to $641,000 for the previous quarter.

Expenses

Non-interest expense was $77.3 million in the second quarter 2013, compared to $79.0 million in the first quarter 2013 and $83.9 million in the second quarter 2012, and benefited from active expense management. Compensation expense declined $3.3 million, or 8 percent, from the previous quarter, as the first quarter 2013 experienced seasonally higher payroll taxes and 401k contributions. Net foreclosed property expense benefited from less OREO and decreased 16 percent from the first quarter 2013.


2

Other expenses in the second quarter 2013 were $7.5 million, as compared to $6.2 million in the previous quarter, and included $2.0 million of restructuring costs associated with the vacating of underutilized space in Michigan and changes to the Atlanta operations. Second quarter 2013 other expenses also included a $1 million write-down on repurchased loans.

The effective tax rate was 38 percent for the second quarter 2013, unchanged from the first quarter 2013 and down from 43 percent for the second quarter 2012, due to the restoration of tax benefits for executive compensation subsequent to the repayment of TARP and the absence of tax charges associated with stock-based compensation.

Credit Quality

Overall asset quality continued to improve during the second quarter 2013. Nonperforming loans were $121.8 million at June 30, 2013, declining 5 percent from March 31, 2013, and 42 percent from June 30, 2012. OREO declined 23 percent from March 31, 2013, and 48 percent from June 30, 2012, as a result of increased property sales and reduced foreclosure activity. Nonperforming assets to total assets were 1.33 percent at June 30, 2013, compared to 1.51 percent at March 31, 2013, and 2.47 percent at June 30, 2012.

The improvement in asset quality resulted in a lower allowance for loan losses. As of June 30, 2013, the allowance for loan losses was $148.2 million as compared to $154.0 million at March 31, 2013, and $174.3 million at June 30, 2012. As a percent of total loans, the allowance for loan losses at June 30, 2013, was 1.47 percent down from 1.53 percent at March 31, 2013, and 1.85 percent at June 30, 2012. Net charge-offs of $14.1 million for the second quarter 2013 were down 20 percent as compared to the previous quarter and 48 percent as compared to second quarter 2012. The provision for loan losses was $8.3 million for the second quarter 2013, a decline of 18 percent from the previous quarter and 52 percent from the second quarter 2012.

Credit quality results exclude covered assets acquired through an FDIC-assisted transaction that are subject to a loss sharing agreement.

Balance Sheet

Total assets were $13.5 billion at June 30, 2013, compared to $13.4 billion at March 31, 2013. Total loans increased 1 percent or $60.8 million to $10.1 billion from the previous quarter end. Financings to new and existing commercial and industrial clients grew 1 percent and comprised 66 percent of the loan portfolio at quarter end.

Total deposits were $11.3 billion at June 30, 2013, a 1 percent decline in comparison to total deposits at March 31, 2013. At June 30, 2013, client deposits comprised 95 percent of total deposits, and the loan to deposit ratio was 89 percent.

The Company's investment securities portfolio was $2.5 billion at June 30, 2013, compared to $2.4 billion at March 31, 2013. The securities portfolio is primarily composed of U.S. government agency backed mortgage securities, U.S. Treasuries, agency backed collateralized mortgage obligations, and investment grade municipal bonds.


3

Capital

As of June 30, 2013, the total risk-based capital ratio was 13.70 percent, the Tier 1 risk-based capital ratio was 11.04 percent, and the leverage ratio was 10.21 percent. The Tier 1 common capital ratio was 9.05 percent (without giving effect to the final Basel III capital rules adopted and issued by the Federal Reserve Board on July 2, 2013) and tangible common equity ratio was 8.43 percent at the end of the second quarter 2013.

Quarterly Conference Call and Webcast Presentation

PrivateBancorp will host a conference call on Thursday, July 18, 2013, at 10 a.m. CT. The call may be accessed by telephone at (888) 782-9127 (U.S. and Canada) or (706) 634-5643 (International) and entering passcode #13164843. A live webcast of the call can be accessed on the Company website at www.theprivatebank.com by visiting the Investor Relations tab under the About Us section. A rebroadcast will be available beginning approximately two hours after the call until midnight on August 1, 2013, by calling (855) 859-2056 (U.S. and Canada) or (404) 537-3406 (International) and entering passcode #13164843.

About PrivateBancorp, Inc.

PrivateBancorp, Inc., through its subsidiaries, delivers customized business and personal financial services to middle-market companies, as well as business owners, executives, entrepreneurs and families in all of the markets and communities we serve. As of June 30, 2013, the Company had 36 offices in 10 states and $13.5 billion in assets. The Company website is www.theprivatebank.com.

Forward-Looking Statements

Statements made in this press release that are not historical facts may constitute forward-looking statements within the meaning of federal securities laws. Our ability to predict results or the actual effects of future plans, strategies or events is inherently uncertain. Factors which could cause actual results to differ from those reflected in forward-looking statements include:

•
continued uncertainty regarding U.S. and global economic outlook that may impact market conditions and credit quality or prolong weakness in demand for loans or other banking products and services;
•
unanticipated developments in pending or prospective loan transactions or greater than expected paydowns or payoffs of existing loans;
•
unanticipated changes in interest rates;
•
competitive trends in our markets;
•
unforeseen credit quality problems that could result in charge-offs greater than we have anticipated in our allowance for loan losses;
•
slower than anticipated dispositions of other real estate owned or declines in real estate values which may negatively impact foreclosed property expense;
•
lack of sufficient or cost-effective sources of liquidity or funding as and when needed;
•
loss of key personnel or an inability to recruit and retain appropriate talent;
•
potential impact of recently adopted capital rules;
•
greater than anticipated impact on costs, revenues and offered products and services associated with the implementation of other regulatory changes;
•
changes in monetary or fiscal policies of the U.S. Government; or

4

•
failures or disruptions to our data processing or other information or operational systems, including the potential impact of disruptions or breaches at our third party service providers.

These factors should be considered in evaluating forward-looking statements and undue reliance should not be placed on our forward-looking statements. Readers should also consider the risks, assumptions and uncertainties set forth in the "Risk Factors" section of our Form 10-K for the year ended December 31, 2012 as well as those set forth in our subsequent periodic reports filed with the SEC. Forward-looking statements speak only as of the date they are made and we assume no obligation to update any of these statements in light of new information, future events or otherwise unless required under the federal securities laws.    

Non-U.S. GAAP Financial Measures

This press release contains both financial measures based on accounting principles generally accepted in the United States (U.S. GAAP) and non-U.S. GAAP based financial measures. The Company believes that these non-U.S. GAAP financial measures provide information useful to investors in understanding the underlying operational performance of the Company, its business, and performance trends and facilitates comparisons with the performance of others in the banking industry. If non-U.S. GAAP financial measures are used, the comparable U.S. GAAP financial measure, as well as the reconciliation to the comparable U.S. GAAP financial measure, can be found in this press release. These disclosures should not be viewed as a substitute for operating results determined in accordance with U.S. GAAP, nor are they necessarily comparable to non-U.S. GAAP performance measures that may be presented by other companies.

Editor's Note: Financial highlights attached. Full financial supplement available on Company's website at www.theprivatebank.com.
    



5

Consolidated Income Statements
 
 
 
 
 
 
 
(Amounts in thousands, except per share data)
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
Quarters Ended June 30,
 
Six Months Ended June 30,
 
2013
 
2012
 
2013
 
2012
Interest Income
 
 
 
 
 
 
 
Loans, including fees
$
107,407


$
105,142


$
214,194


$
208,681

Federal funds sold and interest-bearing deposits in banks
112


133


320


265

Securities:







Taxable
12,519


14,723


25,341


29,981

Exempt from Federal income taxes
1,532


1,336


3,034


2,636

Other interest income
62


131


152


253

Total interest income
121,632


121,465


243,041


241,816

Interest Expense







Interest-bearing demand deposits
1,034


799


2,149


1,435

Savings deposits and money market accounts
3,887


4,265


8,286


8,867

Brokered and time deposits
4,956


5,394


10,085


10,411

Short-term and secured borrowings
410


123


528


265

Long-term debt
7,613


5,538


15,221


11,116

Total interest expense
17,900


16,119


36,269


32,094

Net interest income
103,732


105,346


206,772


209,722

Provision for loan and covered loan losses
8,843


17,038


19,200


44,739

Net interest income after provision for loan and covered loan losses
94,889


88,308


187,572


164,983

Non-interest Income







Trust and Investments
4,800


4,312


9,194


8,531

Mortgage banking
3,198


2,915


7,368


5,578

Capital markets products
6,048


6,033


11,087


13,382

Treasury management
6,209


5,260


12,133


10,414

Loan, letter of credit and commitment fees
4,282


4,359


8,359


8,723

Syndication fees
3,140


2,013


6,972


4,176

Deposit service charges and fees and other income
1,196


1,644


3,587


3,131

Net securities gains (losses)
136


(290
)

777


(185
)
Total non-interest income
29,009


26,246


59,477


53,750

Non-interest Expense







Salaries and employee benefits
39,854


42,177


82,994


84,875

Net occupancy expense
7,387


7,653


14,921


15,332

Technology and related costs
3,476


3,273


6,940


6,569

Marketing
3,695


3,058


6,012


5,218

Professional services
1,782


2,247


3,681


4,204

Outsourced servicing costs
1,964


2,093


3,598


3,803

Net foreclosed property expenses
5,555


11,894


12,198


20,129

Postage, telephone, and delivery
981


882


1,824


1,751

Insurance
2,804


4,239


5,343


8,544

Loan and collection expense
2,280


2,918


5,057


6,075

Other expenses
7,477


3,424


13,650


7,587

Total non-interest expense
77,255


83,858


156,218


164,087

Income before income taxes
46,643


30,696


90,831


54,646

Income tax provision
17,728


13,192


34,646


22,887

Net income
28,915


17,504


56,185


31,759

Preferred stock dividends and discount accretion
—


3,442


—


6,878

Net income available to common stockholders
$
28,915


$
14,062


$
56,185


$
24,881

Per Common Share Data







Basic earnings per share
$
0.37


$
0.19


$
0.72


$
0.35

Diluted earnings per share
$
0.37


$
0.19


$
0.72


$
0.34

Cash dividends declared
$
0.01


$
0.01


$
0.02


$
0.02

Weighted-average common shares outstanding
76,415


70,956


76,280


70,868

Weighted-average diluted common shares outstanding
76,581


71,147


76,393


71,041

Note: Certain reclassifications have been made to prior period financial statements to place them on a basis comparable with the current period financial statements.

6

Consolidated Income Statements
 
 
 
 
 
 
 
 
 
(Amounts in thousands, except per share data)
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
2Q13
 
1Q13
 
4Q12
 
3Q12
 
2Q12
Interest Income
 
 
 
 
 
 
 
 
 
Loans, including fees
$
107,407

 
$
106,787

 
$
108,172

 
$
106,358

 
$
105,142

Federal funds sold and interest-bearing deposits in banks
112

 
208

 
452

 
248

 
133

Securities:
 
 
 
 
 
 
 
 
 
Taxable
12,519

 
12,822

 
12,938

 
13,907

 
14,723

Exempt from Federal income taxes
1,532

 
1,502

 
1,462

 
1,389

 
1,336

Other interest income
62

 
90

 
168

 
126

 
131

Total interest income
121,632

 
121,409

 
123,192

 
122,028

 
121,465

Interest Expense
 
 
 
 
 
 
 
 
 
Interest-bearing demand deposits
1,034

 
1,115

 
985

 
958

 
799

Savings deposits and money market accounts
3,887

 
4,399

 
4,531

 
4,206

 
4,265

Brokered and time deposits
4,956

 
5,129

 
5,561

 
5,860

 
5,394

Short-term and secured borrowings
410

 
118

 
77

 
101

 
123

Long-term debt
7,613

 
7,608

 
7,235

 
5,495

 
5,538

Total interest expense
17,900

 
18,369

 
18,389

 
16,620

 
16,119

Net interest income
103,732

 
103,040

 
104,803

 
105,408

 
105,346

Provision for loan and covered loan losses
8,843

 
10,357

 
13,177

 
13,509

 
17,038

Net interest income after provision for loan and covered loan losses
94,889

 
92,683

 
91,626

 
91,899

 
88,308

Non-interest Income
 
 
 
 
 
 
 
 
 
Trust and Investments
4,800

 
4,394

 
4,232

 
4,254

 
4,312

Mortgage banking
3,198

 
4,170

 
4,197

 
3,685

 
2,915

Capital markets products
6,048

 
5,039

 
6,744

 
5,832

 
6,033

Treasury management
6,209

 
5,924

 
5,606

 
5,490

 
5,260

Loan, letter of credit and commitment fees
4,282

 
4,077

 
4,671

 
4,779

 
4,359

Syndication fees
3,140

 
3,832

 
2,231

 
2,700

 
2,013

Deposit service charges and fees and other income
1,196

 
2,391

 
1,582

 
1,308

 
1,644

Net securities gains (losses)
136

 
641

 
191

 
(211
)
 
(290
)
Total non-interest income
29,009

 
30,468

 
29,454

 
27,837

 
26,246

Non-interest Expense
 
 
 
 
 
 
 
 
 
Salaries and employee benefits
39,854

 
43,140

 
45,253

 
44,820

 
42,177

Net occupancy expense
7,387

 
7,534

 
7,762

 
7,477

 
7,653

Technology and related costs
3,476

 
3,464

 
3,249

 
3,432

 
3,273

Marketing
3,695

 
2,317

 
2,448

 
2,645

 
3,058

Professional services
1,782

 
1,899

 
1,998

 
2,151

 
2,247

Outsourced servicing costs
1,964

 
1,634

 
1,814

 
1,802

 
2,093

Net foreclosed property expenses
5,555

 
6,643

 
9,571

 
8,596

 
11,894

Postage, telephone, and delivery
981

 
843

 
909

 
837

 
882

Insurance
2,804

 
2,539

 
3,290

 
3,352

 
4,239

Loan and collection expense
2,280

 
2,777

 
2,227

 
3,329

 
2,918

Other expenses
7,477

 
6,173

 
2,794

 
3,289

 
3,424

Total non-interest expense
77,255

 
78,963

 
81,315

 
81,730

 
83,858

Income before income taxes
46,643

 
44,188

 
39,765

 
38,006

 
30,696

Income tax provision
17,728

 
16,918

 
16,682

 
14,952

 
13,192

Net income
28,915

 
27,270

 
23,083

 
23,054

 
17,504

Preferred stock dividends and discount accretion
—

 
—

 
3,043

 
3,447

 
3,442

Net income available to common stockholders
$
28,915

 
$
27,270

 
$
20,040

 
$
19,607

 
$
14,062

Per Common Share Data
 
 
 
 
 
 
 
 
 
Basic earnings per share
$
0.37

 
$
0.35

 
$
0.26

 
$
0.27

 
$
0.19

Diluted earnings per share
$
0.37

 
$
0.35

 
$
0.26

 
$
0.27

 
$
0.19

Cash dividends declared
$
0.01

 
$
0.01

 
$
0.01

 
$
0.01

 
$
0.01

Weighted-average common shares outstanding
76,415

 
76,143

 
75,035

 
71,010

 
70,956

Weighted-average diluted common shares outstanding
76,581

 
76,203

 
75,374

 
71,274

 
71,147




7

Consolidated Balance Sheets
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
6/30/13
 
3/31/13
 
12/31/12
 
9/30/12
 
6/30/12
 
(Unaudited)
 
(Unaudited)
 
(Audited)
 
(Unaudited)
 
(Unaudited)
Assets
 
 
 
 
 
 
 
 
 
Cash and due from banks
$
150,683

 
$
118,583

 
$
234,308

 
$
143,573

 
$
141,563

Federal funds sold and interest-bearing deposits in banks
147,699

 
203,647

 
707,143

 
470,984

 
315,378

Loans held-for-sale
34,803

 
38,091

 
49,696

 
49,209

 
35,342

Securities available-for-sale, at fair value
1,580,179

 
1,457,433

 
1,451,160

 
1,550,516

 
1,625,649

Securities held-to-maturity, at amortized cost
955,688

 
959,994

 
863,727

 
784,930

 
693,277

Federal Home Loan Bank ("FHLB") stock
34,063

 
34,288

 
43,387

 
43,387

 
43,467

Loans – excluding covered assets, net of unearned fees
10,094,636

 
10,033,803

 
10,139,982

 
9,625,421

 
9,436,235

Allowance for loan losses
(148,183
)
 
(153,992
)
 
(161,417
)
 
(166,859
)
 
(174,302
)
Loans, net of allowance for loan losses and unearned fees
9,946,453

 
9,879,811

 
9,978,565

 
9,458,562

 
9,261,933

Covered assets
158,326

 
176,855

 
194,216

 
208,979

 
244,782

Allowance for covered loan losses
(24,995
)
 
(24,089
)
 
(24,011
)
 
(21,500
)
 
(21,733
)
Covered assets, net of allowance for covered loan losses
133,331

 
152,766

 
170,205

 
187,479

 
223,049

Other real estate owned, excluding covered assets
57,134

 
73,857

 
81,880

 
97,833

 
109,836

Premises, furniture, and equipment, net
37,025

 
38,373

 
39,508

 
40,526

 
38,177

Accrued interest receivable
38,325

 
39,205

 
34,832

 
36,892

 
37,089

Investment in bank owned life insurance
53,216

 
52,873

 
52,513

 
52,134

 
51,751

Goodwill
94,496

 
94,509

 
94,521

 
94,534

 
94,546

Other intangible assets
11,266

 
12,047

 
12,828

 
13,500

 
14,152

Derivative assets
57,361

 
90,303

 
99,261

 
114,777

 
109,539

Other assets
144,771

 
126,450

 
143,981

 
139,718

 
147,428

Total assets
$
13,476,493

 
$
13,372,230

 
$
14,057,515

 
$
13,278,554

 
$
12,942,176

Liabilities
 
 
 
 
 
 
 
 
 
Demand deposits:
 
 
 
 
 
 
 
 
 
Noninterest-bearing
$
2,736,868

 
$
2,756,879

 
$
3,690,340

 
$
3,295,568

 
$
2,920,182

Interest-bearing
1,234,134

 
1,390,955

 
1,057,390

 
893,194

 
785,879

Savings deposits and money market accounts
4,654,930

 
4,741,864

 
4,912,820

 
4,381,595

 
4,146,022

Brokered time deposits
1,190,796

 
983,625

 
993,455

 
1,290,796

 
1,484,435

Time deposits
1,491,604

 
1,518,980

 
1,519,629

 
1,498,287

 
1,398,012

Total deposits
11,308,332

 
11,392,303

 
12,173,634

 
11,359,440

 
10,734,530

Short-term and secured borrowings
308,700

 
107,775

 
5,000

 
5,000

 
335,000

Long-term debt
499,793

 
499,793

 
499,793

 
374,793

 
374,793

Accrued interest payable
5,963

 
6,787

 
7,141

 
5,287

 
5,855

Derivative liabilities
62,014

 
84,370

 
93,276

 
108,678

 
106,064

Other liabilities
58,651

 
49,137

 
71,505

 
61,916

 
51,780

Total liabilities
12,243,453

 
12,140,165

 
12,850,349

 
11,915,114

 
11,608,022

Equity
 
 
 
 
 
 
 
 
 
Preferred stock
—

 
—

 
—

 
241,585

 
241,185

Common stock:
 
 
 
 
 
 
 
 
 
Voting
75,238

 
73,144

 
73,479

 
68,348

 
68,307

Nonvoting
1,585

 
3,536

 
3,536

 
3,536

 
3,536

Treasury stock
(9,001
)
 
(9,631
)
 
(24,150
)
 
(22,736
)
 
(22,639
)
Additional paid-in capital
1,016,615

 
1,014,443

 
1,026,438

 
956,356

 
951,127

Retained earnings
134,423

 
106,288

 
79,799

 
60,533

 
41,651

Accumulated other comprehensive income, net of tax
14,180

 
44,285

 
48,064

 
55,818

 
50,987

Total equity
1,233,040

 
1,232,065

 
1,207,166

 
1,363,440

 
1,334,154

Total liabilities and equity
$
13,476,493

 
$
13,372,230

 
$
14,057,515

 
$
13,278,554

 
$
12,942,176

Note: Certain reclassifications have been made to prior period financial statements to place them on a basis comparable with the current period financial statements.

8

Selected Financial Data
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands, except per share data)
 
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
2Q13
 
1Q13
 
4Q12
 
3Q12
 
2Q12
 
Selected Statement of Income Data:
 
 
 
 
 
 
 
 
 
 
Net interest income
$
103,732

 
$
103,040

 
$
104,803

 
$
105,408

 
$
105,346

 
Net revenue (1)(2)
$
133,546

 
$
134,292

 
$
135,022

 
$
133,974

 
$
132,291

 
Operating profit (1)(2)
$
56,291

 
$
55,329

 
$
53,707

 
$
52,244

 
$
48,433

 
Provision for loan and covered loan losses
$
8,843

 
$
10,357

 
$
13,177

 
$
13,509

 
$
17,038

 
Income before income taxes
$
46,643

 
$
44,188

 
$
39,765

 
$
38,006

 
$
30,696

 
Net income available to common stockholders
$
28,915

 
$
27,270

 
$
20,040

 
$
19,607

 
$
14,062

 
 
 
 
 
 
 
 
 
 
 
 
Per Common Share Data:
 
 
 
 
 
 
 
 
 
 
Basic earnings per share
$
0.37

 
$
0.35

 
$
0.26

 
$
0.27

 
$
0.19

 
Diluted earnings per share
$
0.37

 
$
0.35

 
$
0.26

 
$
0.27

 
$
0.19

 
Dividends declared
$
0.01

 
$
0.01

 
$
0.01

 
$
0.01

 
$
0.01

 
Book value (period end) (1)
$
15.88

 
$
15.87

 
$
15.65

 
$
15.49

 
$
15.09

 
Tangible book value (period end) (1)(2)
$
14.52

 
$
14.49

 
$
14.26

 
$
14.00

 
$
13.59

 
Market value (close)
$
21.22

 
$
18.89

 
$
15.32

 
$
15.99

 
$
14.76

 
Book value multiple
1.34

x
1.19

x
0.98

x
1.03

x
0.98

x
 
 
 
 
 
 
 
 
 
 
 
Share Data:
 
 
 
 
 
 
 
 
 
 
Weighted-average common shares outstanding
76,415

 
76,143

 
75,035

 
71,010

 
70,956

 
Weighted-average diluted common shares outstanding
76,581

 
76,203

 
75,374

 
71,274

 
71,147

 
Common shares issued (at period end)
78,015

 
78,050

 
78,062

 
73,291

 
73,273

 
Common shares outstanding (at period end)
77,630

 
77,649

 
77,115

 
72,436

 
72,424

 
 
 
 
 
 
 
 
 
 
 
 
Performance Ratio:
 
 
 
 
 
 
 
 
 
 
Return on average assets
0.86
%
 
0.81
%
 
0.67
%
 
0.70
%
 
0.55
%
 
Return on average common equity
9.28
%
 
9.01
%
 
6.64
%
 
7.00
%
 
5.18
%
 
Return on average tangible common equity (1)(2)
10.30
%
 
10.04
%
 
7.45
%
 
7.91
%
 
5.92
%
 
Net interest margin (1)(2)
3.22
%
 
3.19
%
 
3.16
%
 
3.35
%
 
3.46
%
 
Fee revenue as a percent of total revenue (1)
21.77
%
 
22.45
%
 
21.83
%
 
21.02
%
 
20.12
%
 
Non-interest income to average assets
0.87
%
 
0.91
%
 
0.85
%
 
0.85
%
 
0.83
%
 
Non-interest expense to average assets
2.31
%
 
2.35
%
 
2.35
%
 
2.49
%
 
2.64
%
 
Net overhead ratio (1)
1.44
%
 
1.44
%
 
1.50
%
 
1.64
%
 
1.81
%
 
Efficiency ratio (1) (2)
57.85
%
 
58.80
%
 
60.22
%
 
61.00
%
 
63.39
%
 
 
 
 
 
 
 
 
 
 
 
 
Balance Sheet Ratios:
 
 
 
 
 
 
 
 
 
 
Loans to deposits (period end) (3)
89.27
%
 
88.08
%
 
83.29
%
 
84.73
%
 
87.91
%
 
Average interest-earning assets to average interest-bearing liabilities
139.76
%
 
141.21
%
 
150.03
%
 
147.76
%
 
146.44
%
 
 
 
 
 
 
 
 
 
 
 
 
Capital Ratios (period end):
 
 
 
 
 
 
 
 
 
 
Total risk-based capital (1)
13.70
%
 
13.58
%
 
13.17
%
 
13.90
%
 
14.12
%
 
Tier 1 risk-based capital (1)
11.04
%
 
10.90
%
 
10.51
%
 
12.24
%
 
12.25
%
 
Tier 1 leverage ratio (1)
10.21
%
 
9.81
%
 
9.50
%
 
11.15
%
 
11.20
%
 
Tier 1 common equity to risk-weighted assets (1)(2)(4)
9.05
%
 
8.89
%
 
8.52
%
 
8.12
%
 
8.05
%
 
Tangible common equity to tangible assets (1)(2)
8.43
%
 
8.48
%
 
7.88
%
 
7.70
%
 
7.67
%
 
Total equity to total assets
9.15
%
 
9.21
%
 
8.59
%
 
10.27
%
 
10.31
%
 
(1) 
Refer to Glossary of Terms for definition.
(2) 
This is a non-U.S. GAAP financial measure. Refer to "Non-U.S. GAAP Financial Measures" for a reconciliation from non-U.S. GAAP to U.S. GAAP.
(3) 
Excludes covered assets. Refer to Glossary of Terms for definition.
(4) 
Does not give effect to the final Basel III capital rules adopted and issued by the Federal Reserve Board on July 2, 2013.

9

Selected Financial Data (continued)
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
2Q13
 
1Q13
 
4Q12
 
3Q12
 
2Q12
Additional Selected Information:
 
 
 
 
 
 
 
 
 
Credit valuation adjustment on capital markets derivatives (1)
$
1,882

 
$
246

 
$
854

 
$
5

 
$
(830
)
Salaries and employee benefits:
 
 
 
 
 
 
 
 
 
Salaries and wages
$
23,397

 
$
24,015

 
$
24,333

 
$
24,373

 
$
23,728

Share-based costs
3,236

 
2,863

 
5,665

 
5,181

 
5,239

Incentive compensation, retirement costs and other employee benefits
13,221

 
16,262

 
15,255

 
15,266

 
13,210

Total salaries and employee benefits
$
39,854

 
$
43,140

 
$
45,253

 
$
44,820

 
$
42,177

 
 
 
 
 
 
 
 
 
 
Provision for unfunded commitments
$
467

 
$
1,723

 
$
(867
)
 
$
—

 
$
—

 
 
 
 
 
 
 
 
 
 
Assets under management and administration (AUMA) (1)
$
5,427,498

 
$
5,515,199

 
$
5,196,094

 
$
5,007,235

 
$
4,738,973

Custody assets included in AUMA
$
2,351,163

 
$
2,438,600

 
$
2,345,410

 
$
2,192,530

 
$
2,073,777

Loan Composition (excluding covered assets (1))
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
6/30/13
 
% of Total
 
3/31/13
 
% of Total
 
12/31/12
 
% of Total
 
9/30/12
 
% of Total
 
6/30/12
 
% of Total
 
(Unaudited)
 
 
 
(Unaudited)
 
 
 
(Audited)
 
 
 
(Unaudited)
 
 
 
(Unaudited)
 
 
Commercial and industrial
$
5,019,494

 
50
%
 
$
4,951,951

 
49
%
 
$
4,901,210

 
48
%
 
$
4,666,375

 
48
%
 
$
4,523,780

 
48
%
Commercial - owner-occupied CRE
1,641,973

 
16
%
 
1,640,064

 
16
%
 
1,595,574

 
16
%
 
1,437,935

 
15
%
 
1,384,831

 
15
%
Total commercial
6,661,467

 
66
%
 
6,592,015

 
65
%
 
6,496,784

 
64
%
 
6,104,310

 
63
%
 
5,908,611

 
63
%
Commercial real estate
1,981,541

 
20
%
 
2,002,833

 
20
%
 
2,132,063

 
21
%
 
2,069,423

 
21
%
 
2,124,492

 
23
%
Commercial real estate - multi-family
520,160

 
5
%
 
517,418

 
5
%
 
543,622

 
5
%
 
544,775

 
6
%
 
499,250

 
5
%
Total commercial real estate
2,501,701

 
25
%
 
2,520,251

 
25
%
 
2,675,685

 
26
%
 
2,614,198

 
27
%
 
2,623,742

 
28
%
Construction
211,976

 
2
%
 
174,077

 
2
%
 
190,496

 
2
%
 
162,724

 
2
%
 
171,014

 
2
%
Residential real estate
347,629

 
3
%
 
368,569

 
4
%
 
373,580

 
4
%
 
360,094

 
4
%
 
330,254

 
3
%
Home equity
159,958

 
2
%
 
162,035

 
2
%
 
167,760

 
2
%
 
170,068

 
2
%
 
174,131

 
2
%
Personal
211,905

 
2
%
 
216,856

 
2
%
 
235,677

 
2
%
 
214,027

 
2
%
 
228,483

 
2
%
Total loans
$
10,094,636

 
100
%
 
$
10,033,803

 
100
%
 
$
10,139,982

 
100
%
 
$
9,625,421

 
100
%
 
$
9,436,235

 
100
%




10

Loan Composition (excluding covered assets (1))
 
 
 
 
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial Loans Composition by Industry Segment
 
 
 
 
(Classified pursuant to the North American Industrial Classification System standard industry descriptions and represents our client's primary business activity)
 
 
 
 
 
June 30, 2013
 
March 31, 2013
 
December 31, 2012
 
Amount
 
% of Total
 
Amount Non-performing
 
% Non-perform-ing(2)
 
Amount
 
% of Total
 
Amount Non-performing
 
% Non-perform-ing(2)
 
Amount
 
% of Total
Manufacturing
$
1,523,128

 
23
%
 
$
2,710

 
*

 
$
1,599,688

 
24
%
 
$
—

 
—
%
 
$
1,496,719

 
23
%
Healthcare
1,562,779

 
23
%
 
309

 
*

 
1,565,431

 
24
%
 
314

 
*

 
1,514,496

 
23
%
Wholesale trade
700,064

 
11
%
 
133

 
*

 
684,791

 
10
%
 
—

 
—
%
 
635,477

 
10
%
Finance and insurance
555,911

 
8
%
 
529

 
*

 
504,311

 
8
%
 
186

 
*

 
584,763

 
9
%
Real estate, rental and leasing
347,961

 
6
%
 
1,793

 
1
%
 
362,060

 
6
%
 
512

 
*

 
359,947

 
6
%
Professional, scientific and technical services
471,099

 
7
%
 
3,392

 
1
%
 
434,650

 
7
%
 
5,525

 
1
%
 
391,976

 
6
%
Administrative, support, waste management and remediation services
420,386

 
6
%
 
11,461

 
3
%
 
398,024

 
6
%
 
—

 
—
%
 
426,960

 
7
%
Architecture, engineering and construction
255,808

 
4
%
 
10,749

 
4
%
 
229,797

 
3
%
 
9,415

 
4
%
 
225,199

 
3
%
All other (3)
824,331

 
12
%
 
16,706

 
2
%
 
813,263

 
12
%
 
15,371

 
2
%
 
861,247

 
13
%
Total commercial (4)
$
6,661,467

 
100
%
 
$
47,782

 
1
%
 
$
6,592,015

 
100
%
 
$
31,323

 
*

 
$
6,496,784

 
100
%
Commercial Real Estate and Construction Loan Portfolio by Collateral Type
 
 
 
 
 
 
 
 
 
 
June 30, 2013
 
March 31, 2013
 
December 31, 2012
 
Amount
 
% of Total
 
Amount Non-performing
 
% Non-perform-ing(2)
 
Amount
 
% of Total
 
Amount Non-performing
 
% Non-perform-ing(2)
 
Amount
 
% of Total
Commercial Real Estate Portfolio
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Land
$
196,839

 
8
%
 
$
18,349

 
9
%
 
$
223,880

 
9
%
 
$
23,335

 
10
%
 
240,503

 
9
%
Residential 1-4 family
40,589

 
2
%
 
3,433

 
8
%
 
48,100

 
2
%
 
6,148

 
13
%
 
58,704

 
2
%
Multi-family
520,160

 
21
%
 
2,654

 
1
%
 
517,418

 
20
%
 
9,704

 
2
%
 
543,622

 
20
%
Industrial/warehouse
273,044

 
11
%
 
6,955

 
3
%
 
273,017

 
11
%
 
7,674

 
3
%
 
272,535

 
10
%
Office
538,892

 
21
%
 
6,088

 
1
%
 
542,737

 
22
%
 
2,715

 
1
%
 
566,834

 
21
%
Retail
473,709

 
19
%
 
2,902

 
1
%
 
463,915

 
18
%
 
7,452

 
2
%
 
472,024

 
18
%
Healthcare
198,548

 
8
%
 
—

 
—
%
 
183,359

 
7
%
 
—

 
—
%
 
205,318

 
8
%
Mixed use/other
259,920

 
10
%
 
5,378

 
2
%
 
267,825

 
11
%
 
6,615

 
2
%
 
316,145

 
12
%
Total commercial real estate
$
2,501,701

 
100
%
 
$
45,759

 
2
%
 
$
2,520,251

 
100
%
 
$
63,643

 
3
%
 
$
2,675,685

 
100
%
Construction Portfolio
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential 1-4 family
$
13,868

 
7
%
 
$
—

 
—
%
 
$
11,796

 
7
%
 
$
—

 
—
%
 
14,160

 
7
%
Multi-family
42,409

 
20
%
 
—

 
—
%
 
22,230

 
13
%
 
—

 
—
%
 
36,129

 
19
%
Industrial/warehouse
8,395

 
4
%
 
—

 
—
%
 
2,800

 
1
%
 
—

 
—
%
 
29,633

 
16
%
Office
19,487

 
9
%
 
—

 
—
%
 
14,212

 
8
%
 
402

 
3
%
 
8,863

 
5
%
Retail
63,957

 
30
%
 
—

 
—
%
 
51,846

 
30
%
 
—

 
—
%
 
37,457

 
20
%
Healthcare
24,362

 
11
%
 
—

 
—
%
 
27,005

 
16
%
 
—

 
—
%
 
14,196

 
7
%
Mixed use/other
39,498

 
19
%
 
—

 
—
%
 
44,188

 
25
%
 
—

 
—
%
 
50,058

 
26
%
Total construction
$
211,976

 
100
%
 
$
—

 
—
%
 
$
174,077

 
100
%
 
$
402

 
*

 
$
190,496

 
100
%
(1) 
Refer to Glossary of Terms for definition.
(2) 
Calculated as nonperforming loans in the respective industry segment or collateral type divided by total loans of the corresponding industry segment or collateral type presented above.
(3) 
All other consists of numerous smaller balances across a variety of industries with no category greater than 3%.
(4) 
Includes owner-occupied commercial real estate of $1.6 billion at June 30, 2013 and March 31, 2013.
*
Less than 1%.

11

Asset Quality (excluding covered assets (1))
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
2Q13
 
1Q13
 
4Q12
 
3Q12
 
2Q12
Credit Quality Key Ratios
 
 
 
 
 
 
 
 
 
Net charge-offs (annualized) to average loans
0.56
%
 
0.70
%
 
0.73
%
 
0.87
%
 
1.16
%
Nonperforming loans to total loans
1.21
%
 
1.28
%
 
1.37
%
 
1.87
%
 
2.22
%
Nonperforming loans to total assets
0.90
%
 
0.96
%
 
0.99
%
 
1.35
%
 
1.62
%
Nonperforming assets to total assets
1.33
%
 
1.51
%
 
1.57
%
 
2.09
%
 
2.47
%
Allowance for loan losses to:
 
 
 
 
 
 
 
 
 
   Total loans
1.47
%
 
1.53
%
 
1.59
%
 
1.73
%
 
1.85
%
   Nonperforming loans
122
%
 
120
%
 
116
%
 
93
%
 
83
%
 
 
 
 
 
 
 
 
 
 
Nonperforming assets
 
 
 
 
 
 
 
 
 
Loans past due 90 days and accruing
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Nonaccrual loans
121,759

 
128,657

 
138,780

 
179,895

 
209,339

OREO
57,134

 
73,857

 
81,880

 
97,833

 
109,836

  Total nonperforming assets
$
178,893

 
$
202,514

 
$
220,660

 
$
277,728

 
$
319,175

 
 
 
 
 
 
 
 
 
 
Restructured loans accruing interest
$
48,281

 
$
46,591

 
$
60,980

 
$
58,431

 
$
97,690

 
 
 
 
 
 
 
 
 
 
Special mention loans
$
92,880

 
$
106,446

 
$
96,794

 
$
104,706

 
$
108,052

Potential problem loans
$
97,196

 
$
78,185

 
$
107,876

 
$
112,929

 
$
164,077

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Nonperforming Loans Rollforward
 
 
 
 
 
 
 
 
 
Beginning balance
$
128,657

 
$
138,780

 
$
179,895

 
$
209,339

 
$
233,222

Additions:
 
 
 
 
 
 
 
 
 
New nonaccrual loans
26,190

 
31,331

 
28,527

 
38,948

 
57,717

Reductions:
 
 
 
 
 
 
 
 
 
Return to performing status
(2,288
)
 
—

 
(3,824
)
 
(236
)
 
(1,953
)
Paydowns and payoffs, net of advances
(246
)
 
(885
)
 
(21,454
)
 
(11,094
)
 
(9,961
)
Net sales
(12,601
)
 
(12,809
)
 
(20,544
)
 
(21,351
)
 
(25,954
)
Transfer to OREO
(3,366
)
 
(6,266
)
 
(2,826
)
 
(3,250
)
 
(9,968
)
Transfer to loans held for sale
—

 
(2,240
)
 
—

 
(9,200
)
 
—

Charge-offs
(14,587
)
 
(19,254
)
 
(20,994
)
 
(23,261
)
 
(33,764
)
Total reductions
(33,088
)
 
(41,454
)
 
(69,642
)
 
(68,392
)
 
(81,600
)
Balance at end of period
$
121,759

 
$
128,657

 
$
138,780

 
$
179,895

 
$
209,339

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OREO Rollforward
 
 
 
 
 
 
 
 
 
Beginning balance
$
73,857

 
$
81,880

 
$
97,833

 
$
109,836

 
$
123,498

New foreclosed properties
3,366

 
6,266

 
2,826

 
3,250

 
9,968

Valuation adjustments
(6,128
)
 
(4,458
)
 
(5,274
)
 
(6,245
)
 
(9,207
)
Disposals:
 
 
 
 
 
 
 
 
 
Sales proceeds
(14,677
)
 
(9,067
)
 
(11,526
)
 
(8,041
)
 
(13,517
)
Net gain (loss) on sale
716

 
(764
)
 
(1,979
)
 
(967
)
 
(906
)
Balance at end of period
$
57,134

 
$
73,857

 
$
81,880

 
$
97,833

 
$
109,836

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Restructured Loans Accruing Interest Rollforward
 
 
 
 
 
 
 
 
 
Beginning balance
$
46,591

 
$
60,980

 
$
58,431

 
$
97,690

 
$
136,521

Additions:
 
 
 
 
 
 
 
 
 
New restructured loans accruing interest
4,219

 
458

 
6,552

 
2,001

 
1,864

Restructured loans returned to accruing status
—

 
—

 
3,823

 
—

 
157

Reductions:
 
 
 
 
 
 
 
 
 
Paydowns and payoffs, net of advances
(2,347
)
 
36

 
(3,995
)
 
(3,935
)
 
(14,593
)
Transfers to nonperforming loans
—

 
(14,883
)
 
(2,988
)
 
(15,464
)
 
(25,688
)
Net sales
—

 
—

 
—

 
—

 
(170
)
Removal of restructured loan status
(182
)
 
—

 
(843
)
 
(21,861
)
 
(401
)
Balance at end of period
$
48,281

 
$
46,591

 
$
60,980

 
$
58,431

 
$
97,690

(1) 
Refer to Glossary of Terms for definition.

12

Asset Quality (excluding covered assets (1))
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit Quality Indicators (1)
 
Special Mention Loans
 
% of Portfolio Loan Type
 
 
Potential Problem Loans
 
% of Portfolio Loan Type
 
 
Non-Performing Loans
 
% of Portfolio Loan Type
 
 
Total Loans
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
$
83,485

 
1.3
%
 
 
$
59,748

 
0.9
%
 
 
$
47,782

 
0.7
%
 
 
$
6,661,467

Commercial real estate
1,072

 
*

 
 
27,489

 
1.1
%
 
 
45,759

 
1.8
%
 
 
2,501,701

Construction
—

 
—
%
 
 
—

 
—
%
 
 
—

 
—
%
 
 
211,976

Residential real estate
6,187

 
1.8
%
 
 
6,755

 
1.9
%
 
 
12,812

 
3.7
%
 
 
347,629

Home equity
2,001

 
1.3
%
 
 
3,106

 
1.9
%
 
 
13,655

 
8.5
%
 
 
159,958

Personal
135

 
0.1
%
 
 
98

 
*

 
 
1,751

 
0.8
%
 
 
211,905

Total
$
92,880

 
0.9
%
 
 
$
97,196

 
1.0
%
 
 
$
121,759

 
1.2
%
 
 
$
10,094,636

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
March 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial
$
87,966

 
1.3
%
 
 
$
31,198

 
0.5
%
 
 
$
31,323

 
0.5
%
 
 
$
6,592,015

Commercial real estate
11,412

 
0.5
%
 
 
33,462

 
1.3
%
 
 
63,643

 
2.5
%
 
 
2,520,251

Construction
—

 
—
%
 
 
—

 
—
%
 
 
402

 
0.2
%
 
 
174,077

Residential real estate
5,739

 
1.6
%
 
 
9,109

 
2.5
%
 
 
14,966

 
4.1
%
 
 
368,569

Home equity
1,325

 
0.8
%
 
 
4,312

 
2.7
%
 
 
13,615

 
8.4
%
 
 
162,035

Personal
4

 
*

 
 
104

 
*

 
 
4,708

 
2.2
%
 
 
216,856

Total
$
106,446

 
1.1
%
 
 
$
78,185

 
0.8
%
 
 
$
128,657

 
1.3
%
 
 
$
10,033,803

(1) 
Refer to Glossary of Terms for definition.
*
Less than 0.1%.
Loan Portfolio Aging
 
 
 
 
 
 
 
 
 
 
 
 
Current
 
30-59 Days Past Due
 
60-89 Days Past Due
 
90 Days Past Due and Accruing
 
Nonaccrual
 
Total Loans
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
Loan balances:
 
 
 
 
 
 
 
 
 
 
 
Commercial
$
6,613,146

 
$
539

 
$
—

 
$
—

 
$
47,782

 
$
6,661,467

Commercial real estate
2,446,365

 
6,690

 
2,887

 
—

 
45,759

 
2,501,701

Construction
211,976

 
—

 
—

 
—

 
—

 
211,976

Residential real estate
334,423

 
265

 
129

 
—

 
12,812

 
347,629

Personal and home equity
356,201

 
256

 
—

 
—

 
15,406

 
371,863

Total loans
$
9,962,111

 
$
7,750

 
$
3,016

 
$
—

 
$
121,759

 
$
10,094,636

 
 
 
 
 
 
 
 
 
 
 
 
% of loan balance:
 
 
 
 
 
 
 
 
 
 
 
Commercial
99.27
%
 
0.01
%
 
—
%
 
—
%
 
0.72
%
 
100.00
%
Commercial real estate
97.78
%
 
0.27
%
 
0.12
%
 
—
%
 
1.83
%
 
100.00
%
Construction
100.00
%
 
—
%
 
—
%
 
—
%
 
—
%
 
100.00
%
Residential real estate
96.19
%
 
0.08
%
 
0.04
%
 
—
%
 
3.69
%
 
100.00
%
Personal and home equity
95.79
%
 
0.07
%
 
—
%
 
—
%
 
4.14
%
 
100.00
%
Total loans
98.69
%
 
0.08
%
 
0.03
%
 
—
%
 
1.20
%
 
100.00
%

13

Asset Quality (excluding covered assets (1))
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
2Q13
 
1Q13
 
4Q12
 
3Q12
 
2Q12
Nonaccrual loans
 
 
 
 
 
 
 
 
 
Commercial
$
47,782

 
$
31,323

 
$
41,913

 
$
61,182

 
$
59,841

Commercial real estate
45,759

 
63,643

 
68,554

 
88,057

 
119,444

Construction
—

 
402

 
557

 
557

 
555

Residential real estate
12,812

 
14,966

 
11,224

 
12,502

 
11,028

Personal and home equity
15,406

 
18,323

 
16,532

 
17,597

 
18,471

Total
$
121,759

 
$
128,657

 
$
138,780

 
$
179,895

 
$
209,339

 
 
 
 
 
 
 
 
 
 
Nonaccrual loans as a percent of total loan type:
 
 
 
 
 
 
Commercial
0.72
%
 
0.48
%
 
0.65
%
 
1.00
%
 
1.01
%
Commercial real estate
1.83
%
 
2.53
%
 
2.56
%
 
3.37
%
 
4.55
%
Construction
—
%
 
0.23
%
 
0.29
%
 
0.34
%
 
0.32
%
Residential real estate
3.69
%
 
4.06
%
 
3.00
%
 
3.47
%
 
3.34
%
Personal and home equity
4.14
%
 
4.84
%
 
4.10
%
 
4.58
%
 
4.59
%
Total
1.20
%
 
1.28
%
 
1.37
%
 
1.87
%
 
2.22
%
 
 
 
 
 
 
 
 
 
 
Loans past due 60-89 days and still accruing:
 
 
 
 
 
 
Commercial
$
—

 
$
3,725

 
$
1,365

 
$
1,129

 
$
5,064

Commercial real estate
2,887

 
2,365

 
5,278

 
3,588

 
2,543

Construction
—

 
—

 
—

 
—

 
—

Residential real estate
129

 
485

 
—

 
655

 
21

Personal and home equity
—

 
461

 
462

 
1,569

 
1,017

Total
$
3,016

 
$
7,036

 
$
7,105

 
$
6,941

 
$
8,645

 
 
 
 
 
 
 
 
 
 
Loans past due 60-89 days and still accruing as a percent of total loan type:
Commercial
—
%
 
0.06
%
 
0.02
%
 
0.02
%
 
0.09
%
Commercial real estate
0.12
%
 
0.09
%
 
0.20
%
 
0.14
%
 
0.10
%
Construction
—
%
 
—
%
 
—
%
 
—
%
 
—
%
Residential real estate
0.04
%
 
0.13
%
 
—
%
 
0.18
%
 
0.01
%
Personal and home equity
—
%
 
0.12
%
 
0.11
%
 
0.41
%
 
0.25
%
Total
0.03
%
 
0.07
%
 
0.07
%
 
0.07
%
 
0.09
%
 
 
 
 
 
 
 
 
 
 
Loans past due 30-59 days and still accruing:
 
 
 
 
 
 
Commercial
$
539

 
$
5,647

 
$
2,195

 
$
6,141

 
$
901

Commercial real estate
6,690

 
5,666

 
4,073

 
5,232

 
1,314

Construction
—

 
—

 
—

 
—

 
—

Residential real estate
265

 
2,175

 
3,260

 
240

 
341

Personal and home equity
256

 
647

 
1,837

 
2,072

 
1,983

Total
$
7,750

 
$
14,135

 
$
11,365

 
$
13,685

 
$
4,539

 
 
 
 
 
 
 
 
 
 
Loans past due 30-59 days and still accruing as a percent of total loan type:
Commercial
0.01
%
 
0.09
%
 
0.03
%
 
0.10
%
 
0.01
%
Commercial real estate
0.27
%
 
0.22
%
 
0.15
%
 
0.20
%
 
0.05
%
Construction
—
%
 
—
%
 
—
%
 
—
%
 
—
%
Residential real estate
0.08
%
 
0.59
%
 
0.87
%
 
0.07
%
 
0.10
%
Personal and home equity
0.07
%
 
0.17
%
 
0.46
%
 
0.54
%
 
0.49
%
Total
0.08
%
 
0.14
%
 
0.11
%
 
0.14
%
 
0.05
%
(1) 
Refer to Glossary of Terms for definition.
*
Less than 0.01%.

14

Asset Quality (excluding covered assets (1))
 
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Nonaccrual Loan Stratification
 
 
 
 
 
 
 
 
 
 
 
 
 
$10.0 Million or More
 
$5.0 to $9.9 Million
 
$3.0 to $4.9 Million
 
$1.5 to $2.9 Million
 
Under $1.5 Million
 
Total
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
Amount:
 
 
 
 
 
 
 
 
 
 
 
Commercial
$
33,593

 
$
—

 
$
3,107

 
$
5,010

 
$
6,072

 
$
47,782

Commercial real estate
11,306

 
5,864

 
3,932

 
3,859

 
20,798

 
45,759

Residential real estate
—

 
—

 
4,789

 
—

 
8,023

 
12,812

Personal and home equity
—

 
—

 
—

 
—

 
15,406

 
15,406

Total
$
44,899

 
$
5,864

 
$
11,828

 
$
8,869

 
$
50,299

 
$
121,759

 
 
 
 
 
 
 
 
 
 
 
 
Number of borrowers:
 
 
 
 
 
 
 
 
 
 
 
Commercial
3

 
—

 
1

 
2

 
29

 
35

Commercial real estate
1

 
1

 
1

 
2

 
35

 
40

Residential real estate
—

 
—

 
1

 
—

 
33

 
34

Personal and home equity
—

 
—

 
—

 
—

 
47

 
47

Total
4

 
1

 
3

 
4

 
144

 
156

 
 
 
 
 
 
 
 
 
 
 
 
March 31, 2013
 
 
 
 
 
 
 
 
 
 
 
Amount:
 
 
 
 
 
 
 
 
 
 
 
Commercial
$
12,074

 
$
8,769

 
$
3,082

 
$
4,733

 
$
2,665

 
$
31,323

Commercial real estate
15,890

 
5,915

 
8,313

 
14,977

 
18,548

 
63,643

Construction
—

 
—

 
—

 
—

 
402

 
402

Residential real estate
—

 
—

 
4,789

 
2,417

 
7,760

 
14,966

Personal and home equity
—

 
—

 
3,760

 
—

 
14,563

 
18,323

Total
$
27,964

 
$
14,684

 
$
19,944

 
$
22,127

 
$
43,938

 
$
128,657

 
 
 
 
 
 
 
 
 
 
 
 
Number of borrowers:
 
 
 
 
 
 
 
 
 
 
 
Commercial
1

 
1

 
1

 
2

 
22

 
27

Commercial real estate
1

 
1

 
2

 
7

 
37

 
48

Construction
—

 
—

 
—

 
—

 
1

 
1

Residential real estate
—

 
—

 
1

 
1

 
29

 
31

Personal and home equity
—

 
—

 
1

 
—

 
44

 
45

Total
2

 
2

 
5

 
10

 
133

 
152

(1) 
Refer to Glossary of Terms for definition.

15

Asset Quality (excluding covered assets (1))
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Restructured Loan Accruing Interest Stratification
 
 
 
 
 
 
 
 
 
 
 
 
 
$10.0 Million or More
 
$5.0 to $9.9 Million
 
$3.0 to $4.9 Million
 
$1.5 to $2.9 Million
 
Under $1.5 Million
 
Total
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
Amount:
 
 
 
 
 
 
 
 
 
 
 
Commercial
$
25,412

 
$
14,067

 
$
3,969

 
$
—

 
$
425

 
$
43,873

Commercial real estate
—

 
—

 
—

 
2,126

 
677

 
2,803

Personal and home equity
—

 
—

 
—

 
—

 
1,605

 
1,605

Total
$
25,412

 
$
14,067

 
$
3,969

 
$
2,126

 
$
2,707

 
$
48,281

 
 
 
 
 
 
 
 
 
 
 
 
Number of borrowers:
 
 
 
 
 
 
 
 
 
 
 
Commercial
2

 
2

 
1

 
—

 
2

 
7

Commercial real estate
—

 
—

 
—

 
1

 
2

 
3

Personal and home equity
—

 
—

 
—

 
—

 
2

 
2

Total
2

 
2

 
1

 
1

 
6

 
12

 
 
 
 
 
 
 
 
 
 
 
 
March 31, 2013
 
 
 
 
 
 
 
 
 
 
 
Amount:
 
 
 
 
 
 
 
 
 
 
 
Commercial
$
22,145

 
$
13,919

 
$
—

 
$
—

 
$
783

 
$
36,847

Commercial real estate
—

 
5,090

 
—

 
2,159

 
877

 
8,126

Personal and home equity
—

 
—

 
—

 
—

 
1,618

 
1,618

Total
$
22,145

 
$
19,009

 
$
—

 
$
2,159

 
$
3,278

 
$
46,591

 
 
 
 
 
 
 
 
 
 
 
 
Number of borrowers:
 
 
 
 
 
 
 
 
 
 
 
Commercial
2

 
2

 
—

 
—

 
3

 
7

Commercial real estate
—

 
1

 
—

 
1

 
3

 
5

Personal and home equity
—

 
—

 
—

 
—

 
2

 
2

Total
2

 
3

 
—

 
1

 
8

 
14

(1) 
Refer to Glossary of Terms for definition.


16

Foreclosed Real Estate (OREO), excluding covered assets (1)
 
 
 
 
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OREO Properties by Type
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2013
 
March 31, 2013
 
December 31, 2012
 
Number of Properties
 
Amount
 
% of Total
 
Number of Properties
 
Amount
 
% of Total
 
Number of Properties
 
Amount
 
% of Total
Single-family homes
17

 
$
3,677

 
6
%
 
21

 
$
1,861

 
2
%
 
50

 
$
6,337

 
8
%
Land parcels
143

 
24,907

 
44
%
 
151

 
30,875

 
42
%
 
170

 
33,072

 
40
%
Multi-family
5

 
8,014

 
14
%
 
6

 
8,089

 
11
%
 
6

 
8,111

 
10
%
Office/industrial
23

 
15,144

 
27
%
 
31

 
21,263

 
29
%
 
40

 
27,585

 
34
%
Retail
7

 
5,392

 
9
%
 
8

 
6,709

 
9
%
 
8

 
6,775

 
8
%
Mixed use
—

 
—

 
—
%
 
2

 
5,060

 
7
%
 
—

 
—

 
—
%
Total
195

 
$
57,134

 
100
%
 
219

 
$
73,857

 
100
%
 
274

 
$
81,880

 
100
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OREO Property Type by Location
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Illinois
 
Colorado
 
Wisconsin
 
South Eastern(2)
 
Mid Western(3)
 
Other
 
Total
 
 
 
 
June 30, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Single-family homes
$
1,121

 
$
—

 
$
322

 
$
—

 
$
2,234

 
$
—

 
$
3,677

 
 
 
 
Land parcels
14,359

 
—

 
—

 
7,904

 
2,644

 
—

 
24,907

 
 
 
 
Multi-family
774

 
7,240

 
—

 
—

 
—

 
—

 
8,014

 
 
 
 
Office/industrial
11,462

 
—

 
1,633

 
—

 
2,049

 
—

 
15,144

 
 
 
 
Retail
4,743

 
—

 
—

 
580

 
69

 
—

 
5,392

 
 
 
 
Total
$
32,459

 
$
7,240

 
$
1,955

 
$
8,484

 
$
6,996

 
$
—

 
$
57,134

 
 
 
 
% of Total
57
%
 
13
%
 
3
%
 
15
%
 
12
%
 
—
%
 
100
%
 
 
 
 
March 31, 2013
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Single-family homes
$
1,642

 
$
—

 
$
—

 
$
—

 
$
219

 
$
—

 
$
1,861

 
 
 
 
Land parcels
18,700

 
—

 
—

 
9,250

 
2,925

 
—

 
30,875

 
 
 
 
Multi-family
939

 
7,150

 
—

 
—

 
—

 
—

 
8,089

 
 
 
 
Office/industrial
15,152

 
—

 
2,070

 
501

 
3,540

 
—

 
21,263

 
 
 
 
Retail
5,583

 
—

 
—

 
1,126

 
—

 
—

 
6,709

 
 
 
 
Mixed use
—

 
—

 
5,060

 
—

 
—

 
—

 
5,060

 
 
 
 
Total
$
42,016

 
$
7,150

 
$
7,130

 
$
10,877

 
$
6,684

 
$
—

 
$
73,857

 
 
 
 
% of Total
56
%
 
10
%
 
10
%
 
15
%
 
9
%
 
—
%
 
100
%
 
 
 
 
December 31, 2012
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Single-family homes
$
4,301

 
$
—

 
$
—

 
$
—

 
$
1,866

 
$
170

 
$
6,337

 
 
 
 
Land parcels
18,913

 
—

 
—

 
10,446

 
3,713

 
—

 
33,072

 
 
 
 
Multi-family
1,178

 
6,933

 
—

 
—

 
—

 
—

 
8,111

 
 
 
 
Office/industrial
17,960

 
—

 
2,300

 
3,450

 
3,875

 
—

 
27,585

 
 
 
 
Retail
5,584

 
—

 
—

 
1,191

 
—

 
—

 
6,775

 
 
 
 
Total
$
47,936

 
$
6,933

 
$
2,300

 
$
15,087

 
$
9,454

 
$
170

 
$
81,880

 
 
 
 
% of Total
59
%
 
8
%
 
3
%
 
18
%
 
12
%
 
*

 
100
%
 
 
 
 
(1) 
Refer to Glossary of Terms for definition.
(2) 
Represents the southeastern states of Arkansas, Florida and Georgia.
(3) 
Represents the midwestern states of Kansas, Michigan, Missouri, Indiana, and Ohio.
*
Less than 1%.

17

Allowance for Loan Losses (excluding covered assets (1))
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
2Q13
 
1Q13
 
4Q12
 
3Q12
 
2Q12
Change in allowance for loan losses:
 
 
 
 
 
 
 
 
 
Balance at beginning of period
$
153,992

 
$
161,417

 
$
166,859

 
$
174,302

 
$
183,844

Loans charged-off:
 
 
 
 
 
 
 
 
 
Commercial
(2,372
)
 
(11,146
)
 
(10,388
)
 
(4,062
)
 
(7,769
)
Commercial real estate
(8,725
)
 
(7,566
)
 
(8,105
)
 
(16,790
)
 
(17,924
)
Construction
—

 
70

 
30

 
64

 
(828
)
Residential real estate
(783
)
 
(436
)
 
(621
)
 
(299
)
 
(1,006
)
Home equity
(334
)
 
(374
)
 
(1,640
)
 
(1,001
)
 
(4
)
Personal
(2,776
)
 
(5
)
 
(612
)
 
(1,006
)
 
(6,341
)
Total charge-offs
(14,990
)
 
(19,457
)
 
(21,336
)
 
(23,094
)
 
(33,872
)
Recoveries on loans previously charged-off:
 
 
 
 
 
 
 
 
 
Commercial
459

 
396

 
947

 
919

 
634

Commercial real estate
141

 
1,364

 
2,133

 
544

 
4,150

Construction
25

 
9

 
16

 
594

 
1,664

Residential real estate
2

 
2

 
106

 
7

 
2

Home equity
199

 
61

 
52

 
117

 
314

Personal
46

 
52

 
43

 
229

 
163

Total recoveries
872

 
1,884

 
3,297

 
2,410

 
6,927

Net charge-offs
(14,118
)
 
(17,573
)
 
(18,039
)
 
(20,684
)
 
(26,945
)
Provisions charged to operating expenses
8,309

 
10,148

 
12,597

 
13,241

 
17,403

Balance at end of period
$
148,183

 
$
153,992

 
$
161,417

 
$
166,859

 
$
174,302

 
 
 
 
 
 
 
 
 
 
Allocation of allowance for loan losses:
 
 
 
 
 
 
 
 
 
General allocated reserve:
 
 
 
 
 
 
 
 
 
Commercial
$
64,868

 
$
57,280

 
$
50,450

 
$
49,115

 
$
47,210

Commercial real estate
36,820

 
45,030

 
52,700

 
54,500

 
53,700

Construction
2,626

 
2,011

 
2,317

 
2,200

 
2,635

Residential real estate
4,945

 
5,800

 
5,700

 
5,100

 
5,200

Home equity
3,070

 
3,700

 
4,000

 
3,980

 
4,200

Personal
3,130

 
2,900

 
2,860

 
2,800

 
3,260

Total allocated
115,459

 
116,721

 
118,027

 
117,695

 
116,205

Specific reserve
32,724

 
37,271

 
43,390

 
49,164

 
58,097

Total
$
148,183

 
$
153,992

 
$
161,417

 
$
166,859

 
$
174,302

 
 
 
 
 
 
 
 
 
 
Allocation of reserve by a percent of total allowance for loan losses:
General allocated reserve:
 
 
 
 
 
 
 
 
 
Commercial
44
%
 
37
%
 
31
%
 
29
%
 
27
%
Commercial real estate
25
%
 
29
%
 
33
%
 
33
%
 
31
%
Construction
2
%
 
1
%
 
1
%
 
1
%
 
2
%
Residential real estate
3
%
 
4
%
 
4
%
 
3
%
 
3
%
Home equity
2
%
 
3
%
 
2
%
 
2
%
 
2
%
Personal
2
%
 
2
%
 
2
%
 
2
%
 
2
%
Total allocated
78
%
 
76
%
 
73
%
 
70
%
 
67
%
Specific reserve
22
%
 
24
%
 
27
%
 
30
%
 
33
%
Total
100
%
 
100
%
 
100
%
 
100
%
 
100
%
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses to:
 
 
 
 
 
 
 
 
 
Total loans
1.47
%
 
1.53
%
 
1.59
%
 
1.73
%
 
1.85
%
Nonperforming loans
122
%
 
120
%
 
116
%
 
93
%
 
83
%
(1) 
Refer to Glossary of Terms for definition.

18

Deposits
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
6/30/13
 
% of Total
 
3/31/13
 
% of Total
 
12/31/12
 
% of Total
 
9/30/12
 
% of Total
 
6/30/12
 
% of Total
 
(Unaudited)
 
 
 
(Unaudited)
 
 
 
(Audited)
 
 
 
(Unaudited)
 
 
 
(Unaudited)
 
 
Noninterest-bearing deposits
$
2,736,868

 
24
%
 
$
2,756,879

 
24
%
 
$
3,690,340

 
30
%
 
$
3,295,568

 
29
%
 
$
2,920,182

 
27
%
Interest-bearing demand deposits
1,234,134

 
11
%
 
1,390,955

 
12
%
 
1,057,390

 
9
%
 
893,194

 
8
%
 
785,879

 
7
%
Savings deposits
245,133

 
2
%
 
245,762

 
2
%
 
310,188

 
3
%
 
245,906

 
2
%
 
221,816

 
2
%
Money market accounts
4,409,797

 
39
%
 
4,496,102

 
40
%
 
4,602,632

 
38
%
 
4,135,689

 
37
%
 
3,924,206

 
37
%
Brokered time deposits:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Traditional
445,666

 
4
%
 
330,851

 
3
%
 
382,833

 
3
%
 
562,717

 
5
%
 
667,454

 
6
%
Client CDARS(1)
695,130

 
6
%
 
652,774

 
6
%
 
610,622

 
5
%
 
728,079

 
6
%
 
762,231

 
7
%
Non-client CDARS(1)
50,000

 
1
%
 
—

 
—
%
 
—

 
—
%
 
—

 
—
%
 
54,750

 
1
%
Total brokered time deposits
1,190,796

 
11
%
 
983,625

 
9
%
 
993,455

 
8
%
 
1,290,796

 
11
%
 
1,484,435

 
14
%
Time deposits
1,491,604

 
13
%
 
1,518,980

 
13
%
 
1,519,629

 
12
%
 
1,498,287

 
13
%
 
1,398,012

 
13
%
Total deposits
$
11,308,332

 
100
%
 
$
11,392,303

 
100
%
 
$
12,173,634

 
100
%
 
$
11,359,440

 
100
%
 
$
10,734,530

 
100
%
Client deposits(1)
$
10,812,666

 
95
%
 
$
11,061,452

 
97
%
 
$
11,790,801

 
97
%
 
$
10,796,723

 
95
%
 
$
10,012,326

 
93
%
(1) 
Refer to Glossary of Terms for definition.




19

Net Interest Margin
 
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
Quarters Ended June 30,
 
2013
 
2012
 
Average Balance
 
Interest (1)
 
Yield / Rate
 
Average Balance
 
Interest (1)
 
Yield / Rate
Assets:
 
 
 
 
 
 
 
 
 
 
 
Federal funds sold and interest-bearing deposits in banks
$
181,823

 
$
112

 
0.24
%
 
$
210,756

 
$
133

 
0.25
%
Securities:
 
 
 
 
 
 
 
 
 
 
 
Taxable
2,149,465

 
12,519

 
2.33
%
 
2,083,002

 
14,723

 
2.83
%
Tax-exempt (2)
239,851

 
2,337

 
3.90
%
 
171,426

 
2,035

 
4.75
%
Total securities
2,389,316

 
14,856

 
2.49
%
 
2,254,428

 
16,758

 
2.97
%
FHLB stock
34,270

 
62

 
0.72
%
 
43,444

 
131

 
1.19
%
Loans, excluding covered assets:
 
 
 
 
 
 
 
 
 
 
 
Commercial
6,635,679

 
74,150

 
4.42
%
 
5,704,843

 
65,535

 
4.54
%
Commercial real estate
2,502,503

 
23,920

 
3.78
%
 
2,778,787

 
28,586

 
4.07
%
Construction
194,958

 
2,051

 
4.16
%
 
152,891

 
1,536

 
3.97
%
Residential
395,196

 
3,633

 
3.68
%
 
347,922

 
3,630

 
4.17
%
Personal and home equity
376,955

 
3,031

 
3.22
%
 
417,427

 
3,666

 
3.53
%
Total loans, excluding covered assets (3)
10,105,291

 
106,785

 
4.18
%
 
9,401,870

 
102,953

 
4.34
%
Total interest-earning assets before covered assets (2)
12,710,700

 
121,815

 
3.80
%
 
11,910,498

 
119,975

 
3.99
%
Covered assets (4)
148,242

 
621

 
1.66
%
 
237,781

 
2,189

 
3.66
%
Total interest-earning assets (2)
12,858,942

 
$
122,436

 
3.77
%
 
12,148,279

 
$
122,164

 
3.99
%
Cash and due from banks
143,973

 
 
 
 
 
148,174

 
 
 
 
Allowance for loan and covered loan losses
(181,235
)
 
 
 
 
 
(218,798
)
 
 
 
 
Other assets
588,082

 
 
 
 
 
702,533

 
 
 
 
Total assets
$
13,409,762

 
 
 
 
 
$
12,780,188

 
 
 
 
Liabilities and Equity:
 
 
 
 
 
 
 
 
 
 
 
Interest-bearing demand deposits
$
1,250,305

 
$
1,034

 
0.33
%
 
$
795,833

 
$
799

 
0.40
%
Savings deposits
246,928

 
126

 
0.21
%
 
225,335

 
161

 
0.29
%
Money market accounts
4,383,915

 
3,760

 
0.34
%
 
3,920,627

 
4,104

 
0.42
%
Time deposits
1,494,380

 
3,772

 
1.01
%
 
1,341,312

 
3,862

 
1.16
%
Brokered time deposits
1,152,635

 
1,184

 
0.41
%
 
1,382,207

 
1,532

 
0.45
%
Total interest-bearing deposits
8,528,163

 
9,876

 
0.46
%
 
7,665,314

 
10,458

 
0.55
%
Short-term and secured borrowings
173,089

 
410

 
0.94
%
 
250,774

 
123

 
0.19
%
Long-term debt
499,793

 
7,613

 
6.08
%
 
379,463

 
5,538

 
5.82
%
Total interest-bearing liabilities
9,201,045

 
$
17,899

 
0.78
%
 
8,295,551

 
$
16,119

 
0.78
%
Noninterest-bearing demand deposits
2,816,783

 
 
 
 
 
2,995,802

 
 
 
 
Other liabilities
141,793

 
 
 
 
 
156,656

 
 
 
 
Equity
1,250,141

 
 
 
 
 
1,332,179

 
 
 
 
Total liabilities and equity
$
13,409,762

 
 
 
 
 
$
12,780,188

 
 
 
 
Net interest spread (2)(5)
 
 
 
 
2.99
%
 
 
 
 
 
3.21
%
Effect of noninterest-bearing funds
 
 
 
 
0.23
%
 
 
 
 
 
0.25
%
Net interest income/margin (2)(5)
 
 
$
104,537

 
3.22
%
 
 
 
$
106,045

 
3.46
%
(1) 
Interest income included $6.3 million in loan fees for the quarters ended June 30, 2013 and 2012.
(2) 
Interest income and yields are presented on a tax-equivalent basis, assuming a federal income tax rate of 35%. This is a non-U.S. GAAP measure. Refer to Non-U.S. GAAP Measures for a reconciliation of the effect of the tax-equivalent adjustment.
(3) 
Average loans on a nonaccrual basis for the recognition of interest income totaled $125.3 million and $222.1 million for the quarters ended June 30, 2013 and 2012, respectively, and are included in loans for purposes of this analysis. Interest foregone on nonperforming loans was estimated to be approximately $1.2 million and $2.3 million for the quarters ended June 30, 2013 and 2012, respectively, based on the average loan portfolio yield for the respective period.
(4) 
Covered interest-earning assets consist of loans acquired through an FDIC-assisted transaction that are subject to a loss share agreement and the related indemnification asset.
(5) 
Refer to Glossary of Terms for definition.
Note: Prior period net interest margin computations were modified to conform with the current period presentation.

20

Net Interest Margin
 
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
Quarter Ended June 30,
 
Quarter Ended March 31,
 
2013
 
2013
 
Average Balance
 
Interest (1)
 
Yield / Rate
 
Average Balance
 
Interest (1)
 
Yield / Rate
Assets:
 
 
 
 
 
 
 
 
 
 
 
Federal funds sold and interest-bearing deposits in banks
$
181,823

 
$
112

 
0.24
%
 
$
335,916

 
$
208

 
0.25
%
Securities:
 
 
 
 
 
 
 
 
 
 
 
Taxable
2,149,465

 
12,519

 
2.33
%
 
2,106,304

 
12,822

 
2.44
%
Tax-exempt (2)
239,851

 
2,337

 
3.90
%
 
220,522

 
2,286

 
4.15
%
Total securities
2,389,316

 
14,856

 
2.49
%
 
2,326,826

 
15,108

 
2.60
%
FHLB stock
34,270

 
62

 
0.72
%
 
38,129

 
90

 
0.94
%
Loans, excluding covered assets:
 
 
 
 
 
 
 
 
 
 
 
Commercial
6,635,679

 
74,150

 
4.42
%
 
6,529,029

 
71,256

 
4.37
%
Commercial real estate
2,502,503

 
23,920

 
3.78
%
 
2,651,132

 
25,392

 
3.83
%
Construction
194,958

 
2,051

 
4.16
%
 
188,211

 
1,953

 
4.15
%
Residential
395,196

 
3,633

 
3.68
%
 
406,091

 
3,762

 
3.71
%
Personal and home equity
376,955

 
3,031

 
3.22
%
 
389,395

 
3,206

 
3.34
%
Total loans, excluding covered assets (3)
10,105,291

 
106,785

 
4.18
%
 
10,163,858

 
105,569

 
4.16
%
Total interest-earning assets before covered assets (2)
12,710,700

 
121,815

 
3.80
%
 
12,864,729

 
120,975

 
3.76
%
Covered assets (4)
148,242

 
621

 
1.66
%
 
161,842

 
1,218

 
3.02
%
Total interest-earning assets (2)
12,858,942

 
$
122,436

 
3.77
%
 
13,026,571

 
$
122,193

 
3.75
%
Cash and due from banks
143,973

 
 
 
 
 
142,925

 
 
 
 
Allowance for loan and covered loan losses
(181,235
)
 
 
 
 
 
(188,894
)
 
 
 
 
Other assets
588,082

 
 
 
 
 
636,726

 
 
 
 
Total assets
$
13,409,762

 
 
 
 
 
$
13,617,328

 
 
 
 
Liabilities and Equity:
 
 
 
 
 
 
 
 
 
 
 
Interest-bearing demand deposits
$
1,250,305

 
$
1,034

 
0.33
%
 
$
1,264,740

 
$
1,115

 
0.36
%
Savings deposits
246,928

 
126

 
0.21
%
 
274,310

 
164

 
0.24
%
Money market accounts
4,383,915

 
3,760

 
0.34
%
 
4,566,766

 
4,235

 
0.38
%
Time deposits
1,494,380

 
3,772

 
1.01
%
 
1,525,931

 
3,936

 
1.05
%
Brokered time deposits
1,152,635

 
1,184

 
0.41
%
 
1,000,613

 
1,193

 
0.48
%
Total interest-bearing deposits
8,528,163

 
9,876

 
0.46
%
 
8,632,360

 
10,643

 
0.50
%
Short-term and secured borrowings
173,089

 
410

 
0.94
%
 
92,906

 
118

 
0.51
%
Long-term debt
499,793

 
7,613

 
6.08
%
 
499,793

 
7,608

 
6.09
%
Total interest-bearing liabilities
9,201,045

 
$
17,899

 
0.78
%
 
9,225,059

 
$
18,369

 
0.80
%
Noninterest-bearing demand deposits
2,816,783

 
 
 
 
 
3,005,007

 
 
 
 
Other liabilities
141,793

 
 
 
 
 
159,634

 
 
 
 
Equity
1,250,141

 
 
 
 
 
1,227,628

 
 
 
 
Total liabilities and equity
$
13,409,762

 
 
 
 
 
$
13,617,328

 
 
 
 
Net interest spread (2)(5)
 
 
 
 
2.99
%
 
 
 
 
 
2.95
%
Effect of noninterest-bearing funds
 
 
 
 
0.23
%
 
 
 
 
 
0.24
%
Net interest income/margin (2)(5)
 
 
$
104,537

 
3.22
%
 
 
 
$
103,824

 
3.19
%
(1) 
Interest income included $6.3 million and $5.1 million in loan fees for the quarters ended June 30, 2013 and March 31, 2013, respectively.
(2) 
Interest income and yields are presented on a tax-equivalent basis, assuming a federal income tax rate of 35%. This is a non-U.S. GAAP measure. Refer to Non-U.S. GAAP Measures for a reconciliation of the effect of the tax-equivalent adjustment.
(3) 
Average loans on a nonaccrual basis for the recognition of interest income totaled $125.3 million and $137.0 million for the quarters ended June 30, 2013 and March 31, 2013, respectively, and are included in loans for purposes of this analysis. Interest foregone on nonperforming loans was estimated to be approximately $1.2 million and $1.4 million for the quarters ended June 30, 2013 and March 31, 2013, respectively, based on the average loan portfolio yield for the respective period.
(4) 
Covered interest-earning assets consist of loans acquired through an FDIC-assisted transaction that are subject to a loss share agreement and the related indemnification asset.
(5) 
Refer to Glossary of Terms for definition.

21

Net Interest Margin
 
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
 
 
 
 
 
 
 
 
 
 
 
(Unaudited)
 
 
 
 
 
 
 
 
 
 
 
 
Six Months Ended June 30,
 
2013
 
2012
 
Average Balance
 
Interest (1)
 
Yield / Rate
 
Average Balance
 
Interest (1)
 
Yield / Rate
Assets:
 
 
 
 
 
 
 
 
 
 
 
Federal funds sold and interest-bearing deposits in banks
$
258,444

 
$
320

 
0.25
%
 
$
211,050

 
$
265

 
0.25
%
Securities:
 
 
 
 
 
 
 
 
 
 
 
Taxable
2,128,004

 
25,341

 
2.38
%
 
2,069,864

 
29,981

 
2.90
%
Tax-exempt (2)
230,240

 
4,623

 
4.02
%
 
161,919

 
4,015

 
4.96
%
Total securities
2,358,244

 
29,964

 
2.54
%
 
2,231,783

 
33,996

 
3.05
%
FHLB stock
36,189

 
152

 
0.83
%
 
42,070

 
253

 
1.19
%
Loans, excluding covered assets:
 
 
 
 
 
 
 
 
 
 
 
Commercial
6,582,441

 
145,406

 
4.39
%
 
5,573,826

 
129,444

 
4.59
%
Commercial real estate
2,576,407

 
49,312

 
3.81
%
 
2,688,545

 
56,301

 
4.14
%
Construction
191,604

 
4,004

 
4.16
%
 
228,601

 
4,147

 
3.59
%
Residential
400,805

 
7,395

 
3.69
%
 
333,940

 
7,249

 
4.34
%
Personal and home equity
383,155

 
6,237

 
3.28
%
 
412,269

 
7,398

 
3.61
%
Total loans, excluding covered assets (3)
10,134,412

 
212,354

 
4.17
%
 
9,237,181

 
204,539

 
4.38
%
Total interest-earning assets before covered assets (2)
12,787,289

 
242,790

 
3.78
%
 
11,722,084

 
239,053

 
4.04
%
Covered assets (4)
155,004

 
1,839

 
2.37
%
 
251,200

 
4,142

 
3.28
%
Total interest-earning assets (2)
12,942,293

 
$
244,629

 
3.76
%
 
11,973,284

 
$
243,195

 
4.03
%
Cash and due from banks
143,443

 
 
 
 
 
144,741

 
 
 
 
Allowance for loan and covered loan losses
(185,043
)
 
 
 
 
 
(221,434
)
 
 
 
 
Other assets
612,269

 
 
 
 
 
705,779

 
 
 
 
Total assets
$
13,512,962

 
 
 
 
 
$
12,602,370

 
 
 
 
Liabilities and Equity:
 
 
 
 
 
 
 
 
 
 
 
Interest-bearing demand deposits
$
1,257,482

 
$
2,149

 
0.34
%
 
$
725,312

 
$
1,435

 
0.40
%
Savings deposits
260,543

 
291

 
0.23
%
 
221,740

 
317

 
0.29
%
Money market accounts
4,474,835

 
7,995

 
0.36
%
 
4,060,241

 
8,550

 
0.42
%
Time deposits
1,510,069

 
7,708

 
1.03
%
 
1,346,836

 
7,795

 
1.16
%
Brokered time deposits
1,077,044

 
2,376

 
0.44
%
 
1,096,638

 
2,616

 
0.48
%
Total interest-bearing deposits
8,579,973

 
20,519

 
0.48
%
 
7,450,767

 
20,713

 
0.56
%
Short-term and secured borrowings
133,219

 
528

 
0.79
%
 
257,990

 
265

 
0.20
%
Long-term debt
499,793

 
15,221

 
6.08
%
 
379,628

 
11,116

 
5.81
%
Total interest-bearing liabilities
9,212,985

 
$
36,268

 
0.79
%
 
8,088,385

 
$
32,094

 
0.79
%
Noninterest-bearing demand deposits
2,910,375

 
 
 
 
 
3,025,241

 
 
 
 
Other liabilities
150,654

 
 
 
 
 
164,977

 
 
 
 
Equity
1,238,948

 
 
 
 
 
1,323,767

 
 
 
 
Total liabilities and equity
$
13,512,962

 
 
 
 
 
$
12,602,370

 
 
 
 
Net interest spread (2)(5)
 
 
 
 
2.97
%
 
 
 
 
 
3.24
%
Effect of noninterest-bearing funds
 
 
 
 
0.23
%
 
 
 
 
 
0.25
%
Net interest income/margin (2)(5)
 
 
$
208,361

 
3.20
%
 
 
 
$
211,101

 
3.49
%
(1) 
Interest income included $11.5 million and $13.6 million in loan fees for the six months ended June 30, 2013 and 2012, respectively.
(2) 
Interest income and yields are presented on a tax-equivalent basis, assuming a federal income tax rate of 35%. This is a non-U.S. GAAP measure. Refer to Non-U.S. GAAP Measures for a reconciliation of the effect of the tax-equivalent adjustment.
(3) 
Average loans on a nonaccrual basis for the recognition of interest income totaled $131.5 million and $240.3 million for the six months ended June 30, 2013 and 2012, respectively, and are included in loans for purposes of this analysis. Interest foregone on nonperforming loans was estimated to be approximately $2.6 million and $5.1 million for the six months ended June 30, 2013 and 2012, respectively, based on the average loan portfolio yield for the respective period.
(4) 
Covered interest-earning assets consist of loans acquired through an FDIC-assisted transaction that are subject to a loss share agreement and the related indemnification asset.
(5) 
Refer to Glossary of Terms for definition.
Note: Prior period net interest margin computations were modified to conform with the current period presentation.

22

NON-U.S. GAAP FINANCIAL MEASURES

This press release contains both U.S. GAAP and non-U.S. GAAP based financial measures. These non-U.S. GAAP financial measures include net interest income, net interest margin, net revenue, operating profit, and efficiency ratio all on a fully taxable-equivalent basis, return on average tangible common equity, Tier 1 common equity to risk-weighted assets, tangible equity to tangible assets, tangible equity to risk-weighted assets, tangible common equity to tangible assets, and tangible book value. We believe that presenting these non-U.S. GAAP financial measures will provide information useful to investors in understanding our underlying operational performance, our business, and performance trends and facilitates comparisons with the performance of others in the banking industry.

We use net interest income on a taxable-equivalent basis in calculating various performance measures by increasing the interest income earned on tax-exempt assets to make it fully equivalent to interest income earned on taxable investments assuming a 35% tax rate. Management believes this measure to be the preferred industry measurement of net interest income as it enhances comparability to net interest income arising from taxable and tax-exempt sources, and accordingly believes that providing this measure may be useful for peer comparison purposes.

In addition to capital ratios defined by banking regulators, we also consider various measures when evaluating capital utilization and adequacy, including return on average tangible common equity, Tier 1 common equity to risk-weighted assets, tangible equity to tangible assets, tangible equity to risk-weighted assets, tangible common equity to tangible assets, and tangible book value. These calculations are intended to complement the capital ratios defined by banking regulators for both absolute and comparative purposes. All of these measures exclude the ending balances of goodwill and other intangibles while certain of these ratios exclude preferred capital components. Because U.S. GAAP does not include capital ratio measures, we believe there are no comparable U.S. GAAP financial measures to these ratios. We believe these non-U.S. GAAP financial measures are relevant because they provide information that is helpful in assessing the level of capital available to withstand unexpected market conditions. Additionally, presentation of these measures allows readers to compare certain aspects of our capitalization to other companies. However, because there are no standardized definitions for these ratios, our calculations may not be comparable with other companies, and this may affect the usefulness of these measures to investors. Calculations of the Tier 1 common equity to risk-weighted assets ratio contained herein exclude the effect of the final Basel III capital rules adopted and issued by the Federal Reserve Board on July 2, 2013, which are not yet effective.

Non-U.S. GAAP financial measures have inherent limitations, are not required to be uniformly applied, and are not audited. Although these non-U.S. GAAP financial measures are frequently used by stakeholders in the evaluation of a company, they have limitations as analytical tools, and should not be considered in isolation or as a substitute for analyses of results as reported under U.S. GAAP. As a result, we encourage readers to consider our Consolidated Financial Statements in their entirety and not to rely on any single financial measure.


23

Non-U.S. GAAP Financial Measures (continued)
(Amounts in thousands)
(Unaudited)

The following table reconciles non-U.S. GAAP financial measures to U.S. GAAP.
 
Quarters Ended
 
2013
 
2012
 
June 30
 
March 31
 
December 31
 
September 30
 
June 30
Taxable-equivalent net interest income
 
 
 
 
 
 
 
 
 
U.S. GAAP net interest income
$
103,732

 
$
103,040

 
$
104,803

 
$
105,408

 
$
105,346

Taxable-equivalent adjustment
805

 
784

 
765

 
729

 
699

Taxable-equivalent net interest income (a)
$
104,537

 
$
103,824

 
$
105,568

 
$
106,137

 
$
106,045

 
 
 
 
 
 
 
 
 
 
Average Earning Assets (b)
$
12,858,942

 
$
13,026,571

 
$
13,115,687

 
$
12,420,769

 
$
12,148,279

 
 
 
 
 
 
 
 
 
 
Net Interest Margin ((a) annualized) / (b)
3.22
%
 
3.19
%
 
3.16
%
 
3.35
%
 
3.46
%
 
 
 
 
 
 
 
 
 
 
Net Revenue
 
 
 
 
 
 
 
 
 
Taxable-equivalent net interest income (a)
$
104,537

 
$
103,824

 
$
105,568

 
$
106,137

 
$
106,045

U.S. GAAP non-interest income
29,009

 
30,468

 
29,454

 
27,837

 
26,246

Net revenue (c)
$
133,546

 
$
134,292

 
$
135,022

 
$
133,974

 
$
132,291

 
 
 
 
 
 
 
 
 
 
Operating Profit
 
 
 
 
 
 
 
 
 
U.S. GAAP income before income taxes
$
46,643

 
$
44,188

 
$
39,765

 
$
38,006

 
$
30,696

Provision for loan and covered loan losses
8,843

 
10,357

 
13,177

 
13,509

 
17,038

Taxable-equivalent adjustment
805

 
784

 
765

 
729

 
699

Operating profit
$
56,291

 
$
55,329

 
$
53,707

 
$
52,244

 
$
48,433

 
 
 
 
 
 
 
 
 
 
Efficiency Ratio
 
 
 
 
 
 
 
 
 
U.S. GAAP non-interest expense (d)
$
77,255

 
$
78,963

 
$
81,315

 
$
81,730

 
$
83,858

Net revenue
$
133,546

 
$
134,292

 
$
135,022

 
$
133,974

 
$
132,291

Efficiency ratio (c) / (d)
57.85
%
 
58.80
%
 
60.22
%
 
61.00
%
 
63.39
%
 
 
 
 
 
 
 
 
 
 
Adjusted Net Income
 
 
 
 
 
 
 
 
 
U.S. GAAP net income available to common stockholders
$
28,915

 
$
27,270

 
$
20,040

 
$
19,607

 
$
14,062

Amortization of intangibles, net of tax
473

 
473

 
411

 
407

 
404

Adjusted net income (e)
$
29,388

 
$
27,743

 
$
20,451

 
$
20,014

 
$
14,466

 
 
 
 
 
 
 
 
 
 
Average Tangible Common Equity
 
 
 
 
 
 
 
 
 
U.S. GAAP average total equity
$
1,250,141

 
$
1,227,628

 
$
1,260,875

 
$
1,356,244

 
$
1,332,178

Less: average goodwill
94,506

 
94,519

 
94,531

 
94,544

 
94,556

Less: average other intangibles
11,644

 
12,426

 
13,152

 
13,820

 
14,341

Less: average preferred stock
—

 
—

 
60,409

 
241,389

 
240,993

Average tangible common equity (f)
$
1,143,991

 
$
1,120,683

 
$
1,092,783

 
$
1,006,491

 
$
982,288

 
 
 
 
 
 
 
 
 
 
Return on average tangible common equity ((e) annualized) / (f)
10.30
%
 
10.04
%
 
7.45
%
 
7.91
%
 
5.92
%

24

Non-U.S. GAAP Financial Measures (continued)
(Amounts in thousands)
(Unaudited)
 
Six Months Ended June 30,
 
2013
 
2012
Taxable-equivalent net interest income
 
 
 
U.S. GAAP net interest income
$
206,772

 
$
209,722

Taxable-equivalent adjustment
1,589

 
1,379

Taxable-equivalent net interest income (a)
$
208,361

 
$
211,101

 
 
 
 
Average Earning Assets (b)
$
12,942,293

 
$
11,973,284

 
 
 
 
Net Interest Margin ((a) annualized) / (b)
3.20
%
 
3.49
%
 
 
 
 
Net Revenue
 
 
 
Taxable-equivalent net interest income (a)
$
208,361

 
$
211,101

U.S. GAAP non-interest income
59,477

 
53,750

Net revenue (c)
$
267,838

 
$
264,851

 
 
 
 
Operating Profit
 
 
 
U.S. GAAP income before income taxes
$
90,831

 
$
54,646

Provision for loan and covered loan losses
19,200

 
44,739

Taxable-equivalent adjustment
1,589

 
1,379

Operating profit
$
111,620

 
$
100,764

 
 
 
 
Efficiency Ratio
 
 
 
U.S. GAAP non-interest expense (d)
$
156,218

 
$
164,087

Net revenue
$
267,838

 
$
264,851

Efficiency ratio (c) / (d)
58.33
%
 
61.95
%
 
 
 
 
Adjusted Net Income
 
 
 
U.S. GAAP net income available to common stockholders
$
56,185

 
$
24,881

Amortization of intangibles, net of tax
946

 
808

Adjusted net income (e)
$
57,131

 
$
25,689

 
 
 
 
Average Tangible Common Equity
 
 
 
U.S. GAAP average total equity
$
1,238,948

 
$
1,323,767

Less: average goodwill
94,513

 
94,562

Less: average other intangibles
12,033

 
14,674

Less: average preferred stock
—

 
240,797

Average tangible common equity (f)
$
1,132,402

 
$
973,734

 
 
 
 
Return on average tangible common equity ((e) annualized) / (f)
10.19
%
 
5.31
%

25

Non-U.S. GAAP Financial Measures (continued)
(Amounts in thousands)
(Unaudited)
 
2013
 
2012
 
June 30
 
March 31
 
December 31
 
September 30
 
June 30
Tier 1 Common Capital
 
 
 
 
 
 
 
 
 
U.S. GAAP total equity
$
1,233,040

 
$
1,232,065

 
$
1,207,166

 
$
1,363,440

 
$
1,334,154

Trust preferred securities
244,793

 
244,793

 
244,793

 
244,793

 
244,793

Less: accumulated other comprehensive income, net of tax
14,180

 
44,285

 
48,064

 
55,818

 
50,987

Less: goodwill
94,496

 
94,509

 
94,521

 
94,534

 
94,546

Less: other intangibles
11,266

 
12,047

 
12,828

 
13,500

 
14,152

Tier 1 risk-based capital
1,357,891

 
1,326,017

 
1,296,546

 
1,444,381

 
1,419,262

Less: preferred stock
—

 
—

 
—

 
241,585

 
241,185

Less: trust preferred securities
244,793

 
244,793

 
244,793

 
244,793

 
244,793

Tier 1 common capital (e)
$
1,113,098

 
$
1,081,224

 
$
1,051,753

 
$
958,003

 
$
933,284

 
 
 
 
 
 
 
 
 
 
Tangible Common Equity
 
 
 
 
 
 
 
 
 
U.S. GAAP total equity
$
1,233,040

 
$
1,232,065

 
$
1,207,166

 
$
1,363,440

 
$
1,334,154

Less: goodwill
94,496

 
94,509

 
94,521

 
94,534

 
94,546

Less: other intangibles
11,266

 
12,047

 
12,828

 
13,500

 
14,152

Tangible equity (f)
1,127,278

 
1,125,509

 
1,099,817

 
1,255,406

 
1,225,456

Less: preferred stock
—

 
—

 
—

 
241,585

 
241,185

Tangible common equity (g)
$
1,127,278

 
$
1,125,509

 
$
1,099,817

 
$
1,013,821

 
$
984,271

 
 
 
 
 
 
 
 
 
 
Tangible Assets
 
 
 
 
 
 
 
 
 
U.S. GAAP total assets
$
13,476,493

 
$
13,372,230

 
$
14,057,515

 
$
13,278,554

 
$
12,942,176

Less: goodwill
94,496

 
94,509

 
94,521

 
94,534

 
94,546

Less: other intangibles
11,266

 
12,047

 
12,828

 
13,500

 
14,152

Tangible assets (h)
$
13,370,731

 
$
13,265,674

 
$
13,950,166

 
$
13,170,520

 
$
12,833,478

 
 
 
 
 
 
 
 
 
 
Risk-weighted Assets (i)
$
12,296,092

 
$
12,164,677

 
$
12,337,398

 
$
11,804,578

 
$
11,588,371

 
 
 
 
 
 
 
 
 
 
Period-end Common Shares Outstanding (j)
77,630

 
77,649

 
77,115

 
72,436

 
72,424

 
 
 
 
 
 
 
 
 
 
Ratios:
 
 
 
 
 
 
 
 
 
Tier 1 common equity to risk-weighted assets (e) / (i)
9.05
%
 
8.89
%
 
8.52
%
 
8.12
%
 
8.05
%
Tangible equity to tangible assets (f) / (h)
8.43
%
 
8.48
%
 
7.88
%
 
9.53
%
 
9.55
%
Tangible equity to risk-weighted assets (f) / (i)
9.17
%
 
9.25
%
 
8.91
%
 
10.63
%
 
10.57
%
Tangible common equity to tangible assets (g) / (h)
8.43
%
 
8.48
%
 
7.88
%
 
7.70
%
 
7.67
%
Tangible book value (g) / (j)
$
14.52

 
$
14.49

 
$
14.26

 
$
14.00

 
$
13.59



26

Glossary of Terms

Assets under management and administration (“AUMA”) - Assets held in trust where we serve as trustee or in accounts where we make investment decisions on behalf of clients. AUMA also includes non-managed assets we hold in custody for clients or for which we receive fees for advisory or brokerage services. We do not include these assets on our Consolidated Balance Sheets.

Book value - Total common equity divided by outstanding shares of common stock at end of period.

CDARS® deposit program - A deposit services arrangement that effectively achieves FDIC deposit insurance for jumbo deposit relationships. These deposits are classified as brokered time deposits for regulatory deposit purposes; however, we classify certain of these deposits as client CDARS® due to the source being our client relationships and are, therefore, not traditional ‘brokered’ time deposits. We also participate in a non-client CDARS® program that is more like a traditional brokered time deposit program.

Client deposits - Total deposits, net of traditional brokered time deposits and non-client CDARS®.

Common equity - Total equity less preferred stock.

Covered assets - Assets acquired through an FDIC-assisted transaction that are subject to a loss share agreement and are presented separately on the Consolidated Balance Sheets.

Credit quality indicators - The Company has adopted an internal risk rating policy in which each loan is rated for credit quality with a numerical rating of 1 through 8. Loans rated 5 and better (1-5 ratings, inclusive) are credits that exhibit acceptable financial performance, cash flow, and leverage. We attempt to mitigate risk by structure, collateral, monitoring, and other meaningful controls. Credits rated 6 are performing in accordance with contractual terms but are considered "special mention" as these credits demonstrate potential weakness that if left unresolved, may result in deterioration in the Company’s credit position and/or the repayment prospects for the credit. Borrowers rated special mention may exhibit adverse operating trends, high leverage, tight liquidity or other credit concerns. Loans rated 7 may be classified as either accruing ("potential problem") or nonaccrual ("nonperforming"). Potential problem loans, like special mention, are loans that are performing in accordance with contractual terms, but for which management has some level of concern (greater than that of special mention loans) about the ability of the borrowers to meet existing repayment terms in future periods. These loans continue to accrue interest but the ultimate collection of these loans in full is questionable due to the same conditions that characterize a 6-rated credit. These credits may also have somewhat increased risk profiles as a result of the current net worth and/or paying capacity of the obligor or guarantors or the value of the collateral pledged. These loans generally have a well-defined weakness that may jeopardize collection of the debt and are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not resolved. Although these loans are generally identified as potential problem loans and require additional attention by management, they may never become nonperforming. Nonperforming loans include nonaccrual loans risk rated 7 or 8 and have all the weaknesses inherent in a 7-rated potential problem loan with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently-existing facts, conditions and values, highly questionable and improbable. Special mention, potential problem and nonperforming loans are reviewed at a minimum on a quarterly basis, while all other rated credits over a certain dollar threshold, depending on loan type, are reviewed annually or more frequently as the situation warrants.

Credit valuation adjustment ("CVA") - An adjustment may need to be incorporated into the valuation of derivative instruments for nonperformance risk to include the counterparty’s credit risk and the Company’s own credit risk. This adjustment is referred to as the CVA. The CVA represents the credit component of fair value with regard to both client-based trades and the related matched trades with interbank dealer counterparties.

Efficiency ratio - Total non-interest expense divided by the sum of net interest income on a tax-equivalent basis and non-interest income. This is a non-U.S. GAAP financial measure.

Fee revenue as percent of total revenue ratio - Total non-interest income less net securities gains (losses) divided by the sum of net interest income and non-interest income less net securities gains (losses).

U.S. GAAP - Accounting principles generally accepted in the United States of America.

Net interest margin - Expressed as a percentage, net interest margin is a ratio computed as annualized taxable-equivalent net interest income divided by average interest-earning assets. The annualization of net interest income for the quarterly yield takes into consideration the interest payment convention at the product level. This is a non-U.S. GAAP financial measure.

27

Glossary of Terms (continued)

Net interest spread - The difference between the average yield earned on interest-earning assets on a taxable-equivalent basis and the average rate paid for interest-bearing liabilities.

Net overhead ratio - Total non-interest expense less non-interest income divided by average total assets.

Net revenue - The sum of taxable equivalent net interest income and non-interest income. This is a non-U.S. GAAP financial measure.

Non-U.S. GAAP - Certain financial measures within this document that are not formally defined by U.S. GAAP or codified in the federal banking regulations. A reconciliation of these non-U.S. GAAP financial measures may be found on the previous pages.

Operating profit - The sum of U.S. GAAP income before income taxes, provision for loan and covered loan losses and taxable-equivalent adjustment. This is a non-U.S. GAAP financial measure.

Return on average tangible common equity - Annualized net income available to common stockholders, adjusted for tax-affected amortization of intangibles, divided by average tangible common equity. Average tangible common equity equals average total equity less average goodwill, average intangible assets, and average preferred stock. This is a non-U.S. GAAP financial measure.

Risk-weighted assets - Computed by the assignment of specific risk-weights (as currently defined by the Board of Governors of the Federal Reserve System without giving effect to the final Basel III capital rules adopted and issued by the Federal Reserve Board on July 2, 2013 which are not yet effective) to assets and off-balance sheet instruments.

Tangible book value - Total common equity less goodwill and other intangibles divided by outstanding shares of common stock at end of period. This is a non-U.S. GAAP financial measure.

Tangible common equity to tangible assets ratio - Tangible common equity divided by tangible assets, where tangible common equity equals total equity less preferred stock, goodwill and other intangible assets and tangible assets equals total assets less goodwill and other intangible assets. This is a non-U.S. GAAP financial measure.

Taxable-equivalent net interest income - The interest income earned on certain assets is completely or partially exempt from Federal income tax. As such, these tax-exempt instruments typically yield lower returns than taxable investments. To provide more meaningful comparisons of yields and margins for all interest-earning assets, we use interest income on a taxable-equivalent basis in calculating average yields and net interest margins by increasing the interest income earned on tax-exempt assets to make it fully equivalent to interest income earned on other taxable investments. This adjustment is not permitted under U.S. GAAP on the Consolidated Income Statement.

Tier 1 common capital - Tier 1 risk-based capital, less preferred equity, less trust preferred capital securities, and less noncontrolling interests, as calculated under currently effective requirements and without giving effect to the final Basel III capital rules recently adopted and issued by the Federal Reserve Board on July 2, 2013.

Tier 1 equity to risk-weighted assets ratio - Tier 1 common capital divided by period-end risk-weighted assets. This is a non-U.S. GAAP financial measure and for purposes of our presentation we calculate risk-weighted assets under currently effective requirements and not under the final Basel III capital rules adopted and issued by the Federal Reserve Board on July 2, 2013 which are not yet effective.

Tier 1 leverage ratio - Tier 1 risk-based capital divided by adjusted average total assets.

Tier 1 risk-based capital - Total equity, plus trust preferred capital securities, plus certain noncontrolling interests that are held by others; less goodwill and certain other intangible assets, less equity investments in nonfinancial companies, less ineligible servicing assets, less disallowed deferred tax assets and less net unrealized holding gains (losses) on available-for-sale equity securities, available-for-sale debt securities, and cash flow hedge derivatives.

Tier 1 risk-based capital ratio - Tier 1 risk-based capital divided by period-end risk-weighted assets.

Total risk-based capital - Tier 1 risk-based capital plus qualifying subordinated debt, other noncontrolling interest not qualified as Tier 1, eligible gains on available-for-sale equity securities and the allowance for loan and lease losses, subject to certain limitations.

Total risk-based capital ratio - Total risk-based capital divided by period-end risk-weighted assets.

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