Financial Highlights

Financial Highlights
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2020 FQ1 YTD
3/31/2020
Balance Sheet ($000)
Total Assets 13,441,422 14,206,717 15,305,952 15,667,440 16,021,434
Total Net Loans 10,486,774 11,047,695 12,030,686 12,236,134 12,446,774
Total Deposits 10,642,035 10,846,609 12,155,656 12,527,364 12,836,567
Equity Attributable to Parent Company 1,855,473 1,928,255 1,903,211 2,036,011 2,018,088
Total Equity 1,855,473 1,928,255 1,903,211 2,036,011 2,018,088
Profitability (%)
Net Income($000) 113,747 139,445 189,589 171,040 25,953
Net Income Attributable to Parent($000) 113,747 139,445 189,589 171,040 25,953
ROAA 1.10 1.02 1.29 1.12 0.67
Core ROAA 1.21 1.27 1.31 1.13 0.68
ROAE 8.47 7.31 9.92 8.63 5.12
ROATCE 10.50 9.90 13.40 11.49 6.80
Core ROAE 9.33 9.06 10.13 8.66 5.15
Net Interest Margin 3.75 3.80 3.53 3.27 3.29
Reported: Net Interest Margin 3.75 3.80 3.53 3.27 3.31
Efficiency Ratio 46.86 46.04 49.68 54.72 53.56
Noninterest Inc/ Operating Rev 12.28 12.06 10.68 9.35 9.81
Balance Sheet Ratios (%)
Loans/ Deposits 99.07 102.36 99.53 97.99 98.03
Securities/ Assets 11.77 12.35 12.55 11.39 11.15
Total Equity/ Total Assets 13.80 13.57 12.43 13 12.60
Tangible Equity/ Tangible Assets 10.60 10.54 9.60 10.26 9.92
Tang Common Equity/ Tang Assets 10.60 10.54 9.60 10.26 9.92
Asset Quality (%)
NPAs/ Assets 0.81 0.88 0.73 0.73 0.87
NPA Excl Restructured/ Assets 0.44 0.41 0.40 0.50 0.60
NPAs & 90+ PD/ Assets 0.95 1.01 0.83 0.86 0.87
NPAs/ Loans & REO 1.03 1.12 0.92 0.93 1.11
Nonaccrual & 90+ & OREO/ Assets 0.59 0.54 0.50 0.64 0.60
NPAs & 90+ PD/ Loans & REO 1.22 1.29 1.05 1.10 1.11
NPA & Loans 90+/ Tangible Common Equity + LLR 8.84 9.36 8.38 8.19 8.29
NCOs/ Avg Loans 0.07 0.11 0.06 0.04 0.11
Loan Loss Reserves/ Gross Loans 0.75 0.76 0.76 0.76 1.15
Reserves/ NPAs 73.17 67.73 83.05 82.16 103.91
Loan Loss Provision/ NCO 148.39 142.74 216.44 166.93 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,400,246 1,471,193 1,458,344 1,553,697 1,527,666
Tier 1 Capital($000) 1,496,153 1,568,144 1,556,371 1,652,831 1,627,083
Tier 2 Capital($000) 82,537 85,377 93,293 94,780 119,440
Total Capital($000) 1,578,690 1,653,521 1,649,664 1,747,611 1,746,523
Total Risk-weighted Assets($000) 11,575,944 11,965,215 12,749,403 13,208,299 13,350,246
Tier 1 Common Capital (CET1) Ratio(%) 12.10 12.30 11.44 11.76 11.44
Tier 1 Ratio(%) 12.92 13.11 12.21 12.51 12.19
Total Capital Ratio(%) 13.64 13.82 12.94 13.23 13.08
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.49 11.54 10.55 11.22 10.88
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 135,240,079 135,511,891 126,639,912 125,756,543 123,169,404
Avg Diluted Shares(actual) 103,530,318 135,684,969 131,954,192 126,875,320 124,676,296
Basic Book Value per Share 13.72 14.23 15.03 16.19 16.38
Book Value per Share, As Reported 13.72 14.23 15.03 16.19 16.38
Basic Tangible Book Value per Share 10.15 10.68 11.24 12.40 12.52
Tangible Book Value per Share, As Reported 10.15 10.68 11.25 12.40 12.52
Common Dividends Declared per Share 0.45 0.50 0.54 0.56 0.14
EPS after Extra 1.10 1.03 1.44 1.35 0.21
EPS after Extra Growth(%) (5.20) (6.40) 39.80 (6.20) (38.20)
Core EPS 1.21 1.28 1.47 1.35 0.21
Core EPS Growth(%) 2.80 5.40 15.20 (7.90) (37.50)
Diluted EPS before Amortization 1.12 1.05 1.46 1.37 0.21
Pre-Provision Earnings per Share 1.36 1.40 1.63 1.45 0.38
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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