Financial Highlights
2019 FQ1 YTD
3/31/2019
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 8,327,900 8,243,272 5,446,675 5,091,383 4,655,380
Total Net Loans 6,541,899 6,540,921 4,278,839 3,896,963 3,469,932
Total Deposits 6,224,523 5,914,880 3,963,662 3,577,544 3,263,730
Equity Attributable to Parent Company 1,095,848 1,067,903 563,816 533,572 524,427
Total Equity 1,095,848 1,067,903 563,816 533,572 524,427
Profitability (%)
Net Income($000) 30,317 100,864 53,209 48,250 45,355
Net Income Attributable to Parent($000) 30,317 100,864 53,209 48,250 45,355
ROAA 1.47 1.27 1.02 1.02 1.01
Core ROAA 1.46 1.39 1.16 0.99 0.96
ROAE 11.30 9.84 9.66 9.15 8.73
ROATCE 17.14 14.60 11.47 10.92 10.48
Core ROAE 11.27 10.78 11.03 8.92 8.29
Net Interest Margin 3.57 3.61 3.55 3.49 3.44
Reported: Net Interest Margin 3.60 3.60 3.55 3.49 3.44
Efficiency Ratio 51.80 51.07 55.14 59.85 61.05
Noninterest Inc/ Operating Rev 19.69 18.54 22.84 24.72 26.51
Balance Sheet Ratios (%)
Loans/ Deposits 105.55 111.10 108.85 109.79 107.10
Securities/ Assets 11.86 12.26 14.23 15.33 18.10
Total Equity/ Total Assets 13.16 12.95 10.35 10.48 11.26
Tangible Equity/ Tangible Assets 9.28 9.02 8.91 8.93 9.63
Tang Common Equity/ Tang Assets 9.28 9.02 8.91 8.93 9.63
Asset Quality (%)
NPAs/ Assets 0.49 0.45 0.58 0.66 0.80
NPA Excl Restructured/ Assets 0.47 0.43 0.52 0.61 0.70
NPAs & 90+ PD/ Assets 0.50 0.46 0.58 0.66 0.80
NPAs/ Loans & REO 0.62 0.56 0.73 0.85 1.06
Nonaccrual & 90+ & OREO/ Assets 0.47 0.43 0.53 0.62 0.70
NPAs & 90+ PD/ Loans & REO 0.63 0.57 0.73 0.86 1.06
NPA & Loans 90+/ Tangible Common Equity + LLR 5.24 4.92 6.05 6.89 7.74
NCOs/ Avg Loans 0.02 0.01 0.04 0.06 0.07
Loan Loss Reserves/ Gross Loans 0.80 0.81 1.05 1.12 1.16
Reserves/ NPAs 128.82 144.13 144.24 131.11 109.81
Loan Loss Provision/ NCO (47.58) NM 166.59 233.61 235.78
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 749,261 727,481 485,814 455,923 443,284
Tier 1 Capital($000) 759,661 737,883 485,814 485,923 478,284
Tier 2 Capital($000) 80,079 80,510 45,256 44,067 40,895
Total Capital($000) 839,740 818,393 531,070 529,990 519,179
Total Risk-weighted Assets($000) 6,695,350 6,674,926 4,481,260 4,139,717 3,643,050
Tier 1 Common Capital (CET1) Ratio(%) 11.19 10.90 10.84 11.01 12.17
Tier 1 Ratio(%) 11.35 11.06 10.84 11.74 13.13
Total Capital Ratio(%) 12.54 12.26 11.85 12.80 14.25
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.61 9.50 9.24 10.14 10.60
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 35,557,110 35,530,734 23,996,293 23,901,084 24,295,971
Avg Diluted Shares(actual) 35,806,459 35,728,146 24,207,728 24,149,121 24,697,908
Basic Book Value per Share 30.82 30.06 23.50 22.32 21.58
Book Value per Share, As Reported 30.82 30.06 23.50 22.32 21.58
Basic Tangible Book Value per Share 20.79 20.01 19.90 18.71 18.11
Tangible Book Value per Share, As Reported 21.05 20.45 20.18 18.98 18.17
Common Dividends Declared per Share 0.28 1.10 1.04 0.98 0.90
EPS after Extra 0.85 2.82 2.20 2 1.84
EPS after Extra Growth(%) 39.30 28.20 10 8.70 21.10
Core EPS 0.85 3.09 2.51 1.95 1.75
Core EPS Growth(%) 8.10 22.90 28.70 11.70 2.20
Diluted EPS before Amortization 0.86 2.88 2.20 2.01 1.86
Pre-Provision Earnings per Share 0.86 3.35 2.52 2.04 1.82
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