Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 11,603,199 8,851,592 8,082,029 7,709,375 7,209,469
Total Net Loans 9,008,384 6,848,332 6,299,678 5,944,178 5,497,886
Total Deposits 9,307,915 7,427,120 6,729,253 6,412,253 5,990,703
Equity Attributable to Parent Company 1,636,003 1,073,490 943,809 864,690 771,463
Total Equity 1,636,003 1,073,490 943,809 864,690 771,463
Profitability (%)
Net Income($000) 65,853 121,622 87,204 76,648 64,960
Net Income Attributable to Parent($000) 65,853 121,622 87,204 76,648 64,960
ROAA 1.29 1.46 1.11 1.04 0.93
Core ROAA 1.69 1.58 1.19 1.11 1.06
ROAE 9.72 12.31 9.55 9.43 8.79
ROATCE NA 16.63 13.26 13.12 12.61
Core ROAE 12.73 13.31 10.30 10.10 9.99
Net Interest Margin 4.08 3.91 3.60 3.40 3.42
Reported: Net Interest Margin 4.12 3.91 3.60 3.40 3.42
Efficiency Ratio 51.36 54.80 57.51 58.96 62.66
Noninterest Inc/ Operating Rev 20.57 22.37 24.27 26.56 25.89
Balance Sheet Ratios (%)
Loans/ Deposits 96.16 92.99 94.45 93.56 92.61
Securities/ Assets 10.70 12.36 11.89 11.23 11.95
Total Equity/ Total Assets 14.10 12.13 11.68 11.22 10.70
Tangible Equity/ Tangible Assets 9.92 9.35 8.96 8.47 7.98
Tang Common Equity/ Tang Assets 9.92 9.35 8.96 8.47 7.98
Asset Quality (%)
NPAs/ Assets 0.59 0.78 0.94 1.14 0.85
NPA Excl Restructured/ Assets 0.39 0.51 0.62 0.79 0.40
NPAs & 90+ PD/ Assets 0.61 0.78 0.94 1.14 0.85
NPAs/ Loans & REO 0.75 1 1.20 1.46 1.11
Nonaccrual & 90+ & OREO/ Assets 0.41 0.51 0.62 0.79 0.40
NPAs & 90+ PD/ Loans & REO 0.78 1 1.20 1.46 1.11
NPA & Loans 90+/ Tangible Common Equity + LLR 6.05 7.95 9.97 12.66 10
NCOs/ Avg Loans 0.01 0.02 0.06 0.01 0.01
Loan Loss Reserves/ Gross Loans 0.73 0.93 0.95 1.03 1.01
Reserves/ NPAs 96.85 93.35 79.73 70.01 90.86
Loan Loss Provision/ NCO 600.60 424.44 76.17 NM 193.55
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,096,915 818,176 718,995 656,080 584,378
Tier 1 Capital($000) 1,157,915 892,176 789,992 727,070 655,154
Tier 2 Capital($000) 151,805 100,278 96,815 97,195 92,218
Total Capital($000) 1,309,720 992,454 886,807 824,265 747,372
Total Risk-weighted Assets($000) 9,079,791 6,866,218 6,417,481 6,061,774 5,595,795
Tier 1 Common Capital (CET1) Ratio(%) 12.08 11.92 11.20 10.82 10.44
Tier 1 Ratio(%) 12.75 12.99 12.31 11.99 11.71
Total Capital Ratio(%) 14.42 14.45 13.82 13.60 13.36
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.45 10.69 10.04 9.77 9.33
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 34,321,061 28,080,408 27,450,190 27,005,813 26,236,352
Avg Diluted Shares(actual) 31,275,366 27,653,808 27,372,104 26,455,918 25,959,948
Basic Book Value per Share 47.67 38.23 34.38 32.02 29.40
Book Value per Share, As Reported 47.67 38.23 34.38 32.02 29.40
Basic Tangible Book Value per Share 32 28.57 25.60 23.45 21.29
Tangible Book Value per Share, As Reported 32 28.57 25.60 23.45 21.29
Common Dividends Declared per Share 0.88 1.52 1.28 1.16 1.04
EPS after Extra 2.11 4.40 3.19 2.90 2.50
EPS after Extra Growth(%) (0.90) 37.90 10 16 0.40
Core EPS 2.76 4.76 3.44 3.10 2.84
Core EPS Growth(%) 28.30 38.30 10.80 9.20 10.90
Diluted EPS before Amortization NA 4.50 3.32 3.01 2.61
Pre-Provision Earnings per Share 2.92 4.87 3.35 3.04 2.62
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