Financial Highlights

Financial Highlights
2018 FY
12/31/2018
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 12,337,588 7,123,975 5,078,559 4,022,717 3,776,869
Total Net Loans 8,341,133 4,760,043 3,404,991 2,573,041 2,410,878
Total Deposits 9,477,336 5,560,523 4,152,544 3,215,178 3,092,040
Equity Attributable to Parent Company 1,971,344 904,750 552,457 490,514 452,477
Total Equity 1,971,344 904,750 552,457 490,514 452,477
Profitability (%)
Net Income($000) 156,435 55,795 42,341 39,338 12,964
Net Income Attributable to Parent($000) 156,435 55,795 42,341 39,338 12,964
ROAA 1.43 0.88 0.87 1 0.38
Core ROAA 1.78 1.34 1.31 1.06 0.69
ROAE 9.41 6.81 7.96 8.35 3.31
ROATCE 16.93 9.78 10.70 10.72 4.73
Core ROAE 11.69 10.38 11.99 8.81 6.06
Net Interest Margin 4.28 4.28 4.20 4.51 4.41
Reported: Net Interest Margin NA 4.28 4.20 4.51 4.41
Efficiency Ratio 50.72 54.65 56.52 61.86 72.18
Noninterest Inc/ Operating Rev 20.20 21.35 26.32 19.45 16.67
Balance Sheet Ratios (%)
Loans/ Deposits 88 85.84 82.59 80.67 78.57
Securities/ Assets NA 18.74 20.13 22.24 20.47
Total Equity/ Total Assets 15.98 12.70 10.88 12.19 11.98
Tangible Equity/ Tangible Assets 9.59 9.10 8.68 10.19 9.78
Tang Common Equity/ Tang Assets 9.59 9.10 8.68 10.19 9.78
Asset Quality (%)
NPAs/ Assets NA 0.47 0.73 0.82 1.22
NPA Excl Restructured/ Assets 0.22 0.30 0.52 0.56 0.92
NPAs & 90+ PD/ Assets NA 0.47 0.73 0.82 1.22
NPAs/ Loans & REO NA 0.70 1.08 1.36 2.12
Nonaccrual & 90+ & OREO/ Assets 0.22 0.30 0.52 0.56 0.92
NPAs & 90+ PD/ Loans & REO NA 0.70 1.08 1.36 2.12
NPA & Loans 90+/ Tangible Common Equity + LLR NA 5.11 8.15 7.75 12.10
NCOs/ Avg Loans 0.02 (0.02) 0.01 0.09 0.07
Loan Loss Reserves/ Gross Loans 0.47 0.68 0.79 0.86 0.82
Reserves/ NPAs NA 97.98 72.62 67.88 43.26
Loan Loss Provision/ NCO 619.06 NM NM 224.65 64.48
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 621,956 431,546 399,876 336,764
Tier 1 Capital($000) NA 649,350 452,925 416,484 364,264
Tier 2 Capital($000) NA 32,825 27,041 22,264 NA
Total Capital($000) NA 682,175 479,966 438,748 384,162
Total Risk-weighted Assets($000) NA 5,431,060 3,828,518 2,779,025 2,536,826
Tier 1 Common Capital (CET1) Ratio(%) NA 11.46 11.27 14.39 13.28
Tier 1 Ratio(%) NA 11.96 11.83 14.99 14.36
Total Capital Ratio(%) NA 12.57 12.54 15.79 15.14
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.10 9.82 9.11 10.53 10.11
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 95,680,000 60,161,334 48,146,981 45,459,195 45,323,553
Avg Diluted Shares(actual) 88,759,000 58,340,813 48,191,523 45,788,632 41,235,552
Basic Book Value per Share 20.60 15.04 11.47 10.79 9.98
Book Value per Share, As Reported 20.60 15.04 11.47 10.79 9.98
Basic Tangible Book Value per Share 11.49 10.35 8.93 8.82 7.95
Tangible Book Value per Share, As Reported 11.49 10.35 8.93 8.82 7.95
Common Dividends Declared per Share 0.40 0.24 0.16 0.07 0.04
EPS after Extra 1.76 0.95 0.88 0.85 0.31
EPS after Extra Growth(%) 85.30 8 3.50 174.20 (24.40)
Core EPS 2.19 1.45 1.33 0.90 0.57
Core EPS Growth(%) 51 9.30 47.80 58.10 32.60
Diluted EPS before Amortization 1.87 1.02 0.94 0.91 0.36
Pre-Provision Earnings per Share 2.17 1.40 1.34 0.94 0.55
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.
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