Financial Highlights

Financial Highlights
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FQ2 YTD
6/30/2019
Balance Sheet ($000)
Total Assets 7,912,648 13,441,422 14,206,717 15,305,952 15,338,827
Total Net Loans 6,180,206 10,486,774 11,047,695 12,030,686 11,889,494
Total Deposits 6,340,976 10,642,035 10,846,609 12,155,656 12,172,384
Equity Attributable to Parent Company 938,095 1,855,473 1,928,255 1,903,211 1,995,172
Total Equity 938,095 1,855,473 1,928,255 1,903,211 1,995,172
Profitability (%)
Net Income($000) 92,258 113,747 139,445 189,589 85,439
Net Income Attributable to Parent($000) 92,258 113,747 139,445 189,589 85,439
ROAA 1.25 1.10 1.02 1.29 1.12
Core ROAA 1.27 1.21 1.27 1.31 1.12
ROAE 10.11 8.47 7.31 9.92 8.81
ROATCE 11.56 10.50 9.90 13.40 11.81
Core ROAE 10.26 9.33 9.06 10.13 8.79
Net Interest Margin 3.88 3.75 3.80 3.53 3.32
Reported: Net Interest Margin 3.88 3.75 3.80 3.53 3.35
Efficiency Ratio 47.44 46.86 46.04 49.68 54.37
Noninterest Inc/ Operating Rev 13.36 12.28 12.06 10.68 8.63
Balance Sheet Ratios (%)
Loans/ Deposits 98.54 99.07 102.36 99.53 98.40
Securities/ Assets 13.03 11.77 12.35 12.55 12.37
Total Equity/ Total Assets 11.86 13.80 13.57 12.43 13.01
Tangible Equity/ Tangible Assets 10.63 10.60 10.54 9.60 10.21
Tang Common Equity/ Tang Assets 10.63 10.60 10.54 9.60 10.21
Asset Quality (%)
NPAs/ Assets 1.37 0.81 NA NA NA
NPA Excl Restructured/ Assets 0.76 0.44 NA NA NA
NPAs & 90+ PD/ Assets 1.53 0.95 NA NA NA
NPAs/ Loans & REO 1.73 1.03 NA NA NA
Nonaccrual & 90+ & OREO/ Assets 0.92 0.59 NA NA NA
NPAs & 90+ PD/ Loans & REO 1.94 1.22 NA NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR 13.36 8.84 NA NA NA
NCOs/ Avg Loans (0.01) 0.07 0.11 0.06 0.03
Loan Loss Reserves/ Gross Loans 1.22 0.75 0.76 0.76 0.78
Reserves/ NPAs 70.43 73.17 NA NA NA
Loan Loss Provision/ NCO NM 148.39 142.74 216.44 231.66
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 833,868 1,400,246 1,471,193 1,458,344 1,512,921
Tier 1 Capital($000) 874,771 1,496,153 1,568,144 1,556,371 1,611,497
Tier 2 Capital($000) 78,361 82,537 85,377 93,293 94,802
Total Capital($000) 953,132 1,578,690 1,653,521 1,649,664 1,706,299
Total Risk-weighted Assets($000) 6,905,154 11,575,944 11,965,215 12,749,403 12,715,685
Tier 1 Common Capital (CET1) Ratio(%) 12.08 12.10 12.30 11.44 11.90
Tier 1 Ratio(%) 12.67 12.92 13.11 12.21 12.67
Total Capital Ratio(%) 13.80 13.64 13.82 12.94 13.42
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.53 11.49 11.54 10.55 10.94
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 79,566,356 135,240,079 135,511,891 126,639,912 126,673,822
Avg Diluted Shares(actual) 79,611,800 103,530,318 135,684,969 131,954,192 126,842,870
Basic Book Value per Share 11.79 13.72 14.23 15.03 15.75
Book Value per Share, As Reported 11.79 13.72 14.23 15.03 15.75
Basic Tangible Book Value per Share 10.43 10.15 10.68 11.24 11.97
Tangible Book Value per Share, As Reported 10.43 10.15 10.68 11.25 11.98
Common Dividends Declared per Share 0.42 0.45 0.50 0.54 0.28
EPS after Extra 1.16 1.10 1.03 1.44 0.67
EPS after Extra Growth(%) 4.50 (5.20) (6.40) 39.80 (8.20)
Core EPS 1.18 1.21 1.28 1.47 0.67
Core EPS Growth(%) 4.90 2.80 5.40 15.20 (8.10)
Diluted EPS before Amortization 1.17 1.12 1.05 1.46 0.68
Pre-Provision Earnings per Share 1.34 1.36 1.40 1.63 0.72
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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