Financial Highlights

 
Financial Highlights
2018 FQ2 YTD
6/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 27,925,447 27,336,086 23,975,302 22,833,605 20,746,542
Total Net Loans 19,192,434 18,826,720 16,556,797 15,542,569 13,786,766
Total Deposits 22,235,338 22,253,202 19,424,266 18,348,912 16,572,831
Equity Attributable to Parent Company 2,929,555 2,884,949 2,719,768 2,413,143 2,472,402
Total Equity 2,929,555 2,884,949 2,719,768 2,413,143 2,472,402
Profitability (%)
Net Income($000) 143,652 215,632 149,296 131,461 175,722
Net Income Attributable to Parent($000) 143,652 215,632 149,296 131,461 175,722
ROAA 1.05 0.82 0.64 0.62 0.90
Core ROAA 1.24 1.01 0.72 0.74 1.08
ROAE 9.94 7.68 6.06 5.38 7.10
ROATCE 14.52 11.31 9.09 8.48 11.11
Core ROAE 11.78 9.46 6.78 6.45 8.48
Net Interest Margin 3.37 3.43 3.23 3.33 3.87
Reported: Net Interest Margin 3.39 3.43 3.23 3.33 3.87
Efficiency Ratio 57.47 58.98 62.71 65.83 61.73
Noninterest Inc/ Operating Rev 24.61 24.95 27.16 27.48 25.83
Balance Sheet Ratios (%)
Loans/ Deposits 87.12 85.40 86.24 85.58 83.84
Securities/ Assets NA 21.79 21.18 19.77 18.69
Total Equity/ Total Assets 10.49 10.55 11.34 10.57 11.92
Tangible Equity/ Tangible Assets 7.76 7.73 8.64 7.62 8.60
Tang Common Equity/ Tang Assets 7.76 7.73 8.64 7.62 8.60
Asset Quality (%)
NPAs/ Assets 1.49 1.47 1.57 0.83 0.67
NPA Excl Restructured/ Assets 0.95 1.03 1.40 0.81 0.63
NPAs & 90+ PD/ Assets NA 1.57 1.58 0.86 0.69
NPAs/ Loans & REO 2.14 2.10 2.26 1.22 1.01
Nonaccrual & 90+ & OREO/ Assets NA 1.13 1.41 0.84 0.65
NPAs & 90+ PD/ Loans & REO NA 2.25 2.27 1.27 1.04
NPA & Loans 90+/ Tangible Common Equity + LLR NA 18.91 16.91 10.57 7.78
NCOs/ Avg Loans 0.18 0.38 0.37 0.11 0.14
Loan Loss Reserves/ Gross Loans 1.11 1.14 1.37 1.15 0.93
Reserves/ NPAs 51.50 54.21 61.04 95.63 92.69
Loan Loss Provision/ NCO 122.40 85.80 187.38 450.52 197.68
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 2,214,723 2,184,812 1,844,992 1,777,348
Tier 1 Capital($000) 2,323,238 2,214,723 2,184,812 1,844,992 1,777,348
Tier 2 Capital($000) NA 367,308 379,418 350,921 NA
Total Capital($000) NA 2,582,031 2,564,230 2,195,913 1,945,710
Total Risk-weighted Assets($000) NA 21,695,628 19,404,265 18,515,904 15,822,448
Tier 1 Common Capital (CET1) Ratio(%) NA 10.21 11.26 9.96 11.23
Tier 1 Ratio(%) 10.49 10.21 11.26 9.96 11.23
Total Capital Ratio(%) 12.13 11.90 13.21 11.86 12.30
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.65 8.43 9.56 8.55 9.17
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 85,335,000 85,200,087 84,235,135 77,496,429 80,426,485
Avg Diluted Shares(actual) 85,451,000 84,963,000 77,949,000 78,307,000 82,034,000
Basic Book Value per Share 34.33 33.86 32.29 31.14 30.74
As-reported Book Value per Share 34.33 33.86 32.29 31.14 30.74
Basic Tangible Book Value per Share 24.66 24.05 23.87 21.74 21.37
Reported: Tangible Book Value 24.66 24.05 23.87 21.74 21.37
Common Dividends Declared per Share 0.48 0.96 0.96 0.96 0.96
EPS after Extra 1.65 2.48 1.87 1.64 2.10
EPS after Extra Growth(%) 41 32.60 14 (21.90) 8.80
Core EPS 1.96 3.07 2.10 1.97 2.52
Core EPS Growth(%) 45.50 46.10 6.40 (21.60) 2.40
Diluted EPS before Amortization 1.78 2.74 2.12 1.95 2.43
Pre-Provision Earnings per Share 2 2.94 2.50 2.11 2.35
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