Financial Highlights
2020 FQ2 YTD
6/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 13,290,447 8,629,002 8,243,272 5,446,675 5,091,383
Total Net Loans 10,248,327 6,702,801 6,540,921 4,278,839 3,896,963
Total Deposits 10,076,834 6,440,319 5,914,880 3,963,662 3,577,544
Equity Attributable to Parent Company 1,390,093 1,132,974 1,067,903 563,816 533,572
Total Equity 1,390,093 1,132,974 1,067,903 563,816 533,572
Profitability (%)
Net Income($000) (4,351) 116,433 100,864 53,209 48,250
Net Income Attributable to Parent($000) (4,351) 116,433 100,864 53,209 48,250
ROAA (0.08) 1.39 1.27 1.02 1.02
Core ROAA 0.39 1.42 1.39 1.16 0.99
ROAE (0.69) 10.51 9.84 9.66 9.15
ROATCE (0.53) 15.68 14.60 11.47 10.92
Core ROAE 3.33 10.69 10.78 11.03 8.92
Net Interest Margin 3.38 3.51 3.61 3.55 3.49
Reported: Net Interest Margin 3.39 3.51 3.60 3.55 3.49
Efficiency Ratio 48.21 51.61 51.07 55.14 59.85
Noninterest Inc/ Operating Rev 19.71 21.03 18.54 22.84 24.72
Balance Sheet Ratios (%)
Loans/ Deposits 102.64 104.11 111.10 108.85 109.79
Securities/ Assets 10.72 13.04 12.26 14.23 15.33
Total Equity/ Total Assets 10.46 13.13 12.95 10.35 10.48
Tangible Equity/ Tangible Assets 7.63 9.40 9.02 8.91 8.93
Tang Common Equity/ Tang Assets 7.63 9.40 9.02 8.91 8.93
Asset Quality (%)
NPAs/ Assets 0.60 0.50 0.45 0.58 0.66
NPA Excl Restructured/ Assets 0.58 0.46 0.43 0.52 0.61
NPAs & 90+ PD/ Assets 0.61 0.50 0.46 0.58 0.66
NPAs/ Loans & REO 0.77 0.63 0.56 0.73 0.85
Nonaccrual & 90+ & OREO/ Assets 0.59 0.46 0.43 0.53 0.62
NPAs & 90+ PD/ Loans & REO 0.78 0.63 0.57 0.73 0.86
NPA & Loans 90+/ Tangible Common Equity + LLR 7.09 5.13 4.92 6.05 6.89
NCOs/ Avg Loans 0 0.03 0.01 0.04 0.06
Loan Loss Reserves/ Gross Loans 1.57 0.83 0.81 1.05 1.12
Reserves/ NPAs 204.66 131.30 144.13 144.24 131.11
Loan Loss Provision/ NCO NM 229.83 NM 166.59 233.61
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 998,049 783,903 727,481 485,814 455,923
Tier 1 Capital($000) 998,049 794,300 737,883 485,814 485,923
Tier 2 Capital($000) 347,456 258,028 80,510 45,256 44,067
Total Capital($000) 1,345,505 1,052,328 818,393 531,070 529,990
Total Risk-weighted Assets($000) 9,755,988 7,085,780 6,674,926 4,481,260 4,139,717
Tier 1 Common Capital (CET1) Ratio(%) 10.23 11.06 10.90 10.84 11.01
Tier 1 Ratio(%) 10.23 11.21 11.06 10.84 11.74
Total Capital Ratio(%) 13.79 14.85 12.26 11.85 12.80
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.35 9.70 9.50 9.24 10.14
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 47,001,022 34,970,370 35,530,734 23,996,293 23,901,084
Avg Diluted Shares(actual) 40,826,748 35,852,846 35,728,146 24,207,728 24,149,121
Basic Book Value per Share 29.58 32.40 30.06 23.50 22.32
Book Value per Share, As Reported 29.58 32.40 30.06 23.50 22.32
Basic Tangible Book Value per Share 20.92 22.25 20.01 19.90 18.71
Tangible Book Value per Share, As Reported 20.61 22.37 20.45 20.18 18.98
Common Dividends Declared per Share 0.60 1.18 1.10 1.04 0.98
EPS after Extra (0.11) 3.25 2.82 2.20 2
EPS after Extra Growth(%) NM 15.20 28.20 10 8.70
Core EPS 0.53 3.31 3.09 2.51 1.95
Core EPS Growth(%) (67.60) 7.10 22.90 28.70 11.70
Diluted EPS before Amortization (0.04) 3.30 2.88 2.20 2.01
Pre-Provision Earnings per Share 2.06 3.49 3.35 2.52 2.04
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