Financial Highlights

Financial Highlights
2014 FY
12/31/2014
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
Balance Sheet ($000)
Total Assets 7,140,330 7,912,648 13,441,422 14,206,717 15,305,952
Total Net Loans 5,525,745 6,180,206 10,486,774 11,047,695 12,030,686
Total Deposits 5,693,452 6,340,976 10,642,035 10,846,609 12,155,656
Equity Attributable to Parent Company 882,773 938,095 1,855,473 1,928,255 1,903,211
Total Equity 882,773 938,095 1,855,473 1,928,255 1,903,211
Profitability (%)
Net Income($000) 88,615 92,258 113,747 139,445 189,589
Net Income Attributable to Parent($000) 88,615 92,258 113,747 139,445 189,589
ROAA 1.30 1.25 1.10 1.02 1.29
Core ROAA 1.31 1.27 1.21 1.27 1.31
ROAE 10.44 10.11 8.47 7.31 9.92
ROATCE 12.11 11.56 10.50 9.90 13.40
Core ROAE 10.57 10.26 9.33 9.06 10.13
Net Interest Margin 4.13 3.88 3.75 3.80 3.53
Reported: Net Interest Margin 4.13 3.88 3.75 3.80 3.53
Efficiency Ratio 47.81 47.44 46.86 46.04 49.68
Noninterest Inc/ Operating Rev 14.08 13.36 12.28 12.06 10.68
Balance Sheet Ratios (%)
Loans/ Deposits 97.75 98.54 99.07 102.36 99.53
Securities/ Assets 11.56 13.03 11.77 12.35 12.55
Total Equity/ Total Assets 12.36 11.86 13.80 13.57 12.43
Tangible Equity/ Tangible Assets 11 10.63 10.60 10.54 9.60
Tang Common Equity/ Tang Assets 11 10.63 10.60 10.54 9.60
Asset Quality (%)
NPAs/ Assets 1.74 1.37 0.81 NA NA
NPA Excl Restructured/ Assets 0.94 0.76 0.44 NA NA
NPAs & 90+ PD/ Assets 2.17 1.53 0.95 NA NA
NPAs/ Loans & REO 2.22 1.73 1.03 NA NA
Nonaccrual & 90+ & OREO/ Assets 1.37 0.92 0.59 NA NA
NPAs & 90+ PD/ Loans & REO 2.77 1.94 1.22 NA NA
NPA & Loans 90+/ Tangible Common Equity + LLR 18.39 13.36 8.84 NA NA
NCOs/ Avg Loans 0.23 (0.01) 0.07 0.11 0.06
Loan Loss Reserves/ Gross Loans 1.21 1.22 0.75 0.76 0.76
Reserves/ NPAs 54.66 70.43 73.17 NA NA
Loan Loss Provision/ NCO 103.59 NM 148.39 142.74 216.44
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 771,731 833,868 1,400,246 1,471,193 1,458,344
Tier 1 Capital($000) 812,464 874,771 1,496,153 1,568,144 1,556,371
Tier 2 Capital($000) NA 78,361 82,537 85,377 93,293
Total Capital($000) 881,794 953,132 1,578,690 1,653,521 1,649,664
Total Risk-weighted Assets($000) 5,956,129 6,905,154 11,575,944 11,965,215 12,748,658
Tier 1 Common Capital (CET1) Ratio(%) 12.96 12.08 12.10 12.30 11.44
Tier 1 Ratio(%) 13.64 12.67 12.92 13.11 12.21
Total Capital Ratio(%) 14.80 13.80 13.64 13.82 12.94
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.62 11.53 11.49 11.54 10.55
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 79,503,552 79,566,356 135,240,079 135,511,891 126,639,912
Avg Diluted Shares(actual) 79,611,037 79,611,800 103,530,318 135,684,969 131,954,192
Basic Book Value per Share 11.10 11.79 13.72 14.23 15.03
Book Value per Share, As Reported 11.10 11.79 13.72 14.23 15.03
Basic Tangible Book Value per Share 9.73 10.43 10.15 10.68 11.24
Tangible Book Value per Share, As Reported 9.72 10.43 10.15 10.68 11.25
Common Dividends Declared per Share 0.35 0.42 0.45 0.50 0.54
EPS after Extra 1.11 1.16 1.10 1.03 1.44
EPS after Extra Growth(%) 7.80 4.50 (5.20) (6.40) 39.80
Core EPS 1.12 1.18 1.21 1.28 1.47
Core EPS Growth(%) 3.90 4.90 2.80 5.40 15.20
Diluted EPS before Amortization 1.13 1.17 1.12 1.05 1.46
Pre-Provision Earnings per Share 1.30 1.34 1.36 1.40 1.63
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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