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Commercial Banking Performance — 4th Quarter 2016

Commercial LOBs saw double-digit earnings growth in 4Q16, with strong NIM improvement and a return to stable provision – but also slowing of loan growth.

Overall 4Q16 Results: Net Income was up 12% with ROA rising to 132 bp and NIM to 251 bp. The gap between loan growth and deposit growth narrowed as loan growth fell to single digits versus a year ago while deposit growth rose to 4% YoY. Looking Ahead: Loan growth continued to slow, with the weakest growth being C&I. While CRE growth has outpaced C&I growth for the last several quarters we may begin to ...

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