Q4 2016 Earnings Call January 27, 2017

Fourth quarter 2016 earnings call presentation dated January 27, 2017, featuring financial highlights including net income of $69.8 million and EPS of $0.67. Full-year 2016 results show net income of $259.8 million, EPS of $2.50, and improved efficiency ratio of 42.4%. Includes consolidated quarterly and annual financial performance metrics.