Financial Info

Financial Highlights
2019 FQ3 YTD
9/30/2019
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 47,661,182 32,669,192 31,221,837 30,104,002 28,792,653
Total Net Loans 36,282,228 25,734,653 24,597,576 23,656,305 22,236,769
Total Deposits 37,433,070 26,720,322 26,147,900 24,648,060 23,242,661
Total Equity 4,868,838 3,133,602 2,961,566 2,927,924 3,000,196
Profitability (%)
Net Income($000) 412,096 428,476 275,474 246,784 226,082
ROAA 1.18 1.35 0.89 0.84 0.80
Core ROAA 1.37 1.39 0.99 0.88 0.82
ROAE 11.67 14.29 9.27 8.40 7.49
ROATCE 13.76 14.95 9.58 8.51 7.54
Core ROAE 13.59 14.68 10.30 8.80 7.62
Reported: Net Interest Margin 3.72 3.86 3.55 3.27 3.19
Efficiency Ratio 51.36 56.17 58.78 61.58 62.72
Noninterest Inc/ Operating Rev 17.85 19.95 21.10 22.98 24.29
Balance Sheet Ratios (%)
Loans/ Deposits 97.29 97.10 94.80 96.79 96.50
Securities/ Assets 14.56 12.87 13.39 13.07 12.85
Total Equity/ Total Assets 10.22 9.59 9.49 9.73 10.42
Tangible Equity/ Tangible Assets 9.17 9.40 9.29 9.51 10.34
Tang Common Equity/ Tang Assets 8.03 8.80 8.88 9.09 9.90
Asset Quality (%)
NPAs/ Assets 0.59 0.70 0.90 1.23 1.52
NPA Excl Restructured/ Assets 0.32 0.35 0.42 0.58 0.75
NPAs & 90+ PD/ Assets 0.62 0.72 0.92 1.24 1.53
NPAs/ Loans & REO 0.77 0.89 1.13 1.55 1.95
Nonaccrual & 90+ & OREO/ Assets 0.35 0.36 0.43 0.59 0.76
NPAs & 90+ PD/ Loans & REO 0.81 0.90 1.15 1.57 1.96
NPA & Loans 90+/ Tangible Common Equity + LLR 7.34 7.50 9.49 12.57 14.24
NCOs/ Avg Loans 0.18 0.20 0.29 0.12 0.13
Loan Loss Reserves/ Gross Loans 0.73 0.96 1 1.05 1.12
Reserves/ NPAs 94.20 108.91 88.45 67.77 57.51
Loan Loss Provision/ NCO 129.63 102.55 96.43 97.43 68.31
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 3,660,078 2,897,997 2,763,168 2,654,287 2,660,016
Tier 1 Capital($000) 4,196,628 3,090,416 2,872,001 2,685,880 2,660,016
Tier 2 Capital($000) 826,510 510,960 511,080 515,388 595,742
Total Capital($000) 5,023,138 3,601,376 3,383,081 3,201,268 3,255,758
Total Risk-weighted Assets($000) 40,856,279 29,121,309 27,667,906 26,662,081 25,643,943
Tier 1 Common Capital (CET1) Ratio(%) 8.96 9.95 9.99 9.96 10.37
Tier 1 Ratio(%) 10.27 10.61 10.38 10.07 10.37
Total Capital Ratio(%) 12.29 12.37 12.23 12.01 12.70
Leverage Ratio(%) 9.02 9.60 9.19 8.99 9.43
Per Share Information ($)
Common Shares Outstanding(actual) 147,594,000 115,865,510 118,897,295 122,266,106 129,547,032
Avg Diluted Shares(actual) 158,595,000 118,378,000 122,012,000 125,078,000 133,201,000
Basic Book Value per Share 29.35 25.36 23.85 22.92 22.19
Book Value per Share, As Reported 29.35 25.36 23.85 22.92 22.19
Basic Tangible Book Value per Share 25.63 24.75 23.27 22.32 21.99
Tangible Book Value per Share, As Reported 25.65 24.78 23.27 22.32 21.99
Common Dividends Declared per Share 0.90 1 0.60 0.48 0.42
EPS after Extra 2.51 3.47 2.17 1.89 1.62
Core EPS 2.94 3.57 2.42 1.99 1.65
Core EPS Growth(%) 8.20 47.50 21.80 20.40 13.20
Diluted EPS before Amortization 2.56 3.48 2.18 1.89 1.62
Pre-Provision Earnings per Share 3.39 4.02 2.68 2.17 1.79
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.