Financial Highlights

Financial Highlights
2020 FQ1 YTD
3/31/2020
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 18,596,292 17,142,025 12,337,588 7,123,975 5,078,559
Total Net Loans 12,056,814 12,086,089 8,341,133 4,760,043 3,404,991
Total Deposits 14,121,499 13,136,392 9,477,336 5,560,523 4,152,544
Equity Attributable to Parent Company 2,870,252 2,896,718 1,971,344 904,750 552,457
Total Equity 2,870,252 2,896,718 1,971,344 904,750 552,457
Profitability (%)
Net Income($000) 35,432 226,598 156,435 55,795 42,341
Net Income Attributable to Parent($000) 35,432 225,396 156,435 55,795 42,341
ROAA 0.81 1.42 1.43 0.88 0.87
Core ROAA 0.95 1.70 1.78 1.34 1.31
ROAE 4.92 8.49 9.41 6.81 7.96
ROATCE 9.84 15.64 16.93 9.78 10.70
Core ROAE 5.75 10.16 11.69 10.38 11.99
Net Interest Margin 4.14 4.31 4.39 4.28 4.20
Reported: Net Interest Margin 4.17 4.31 4.39 4.28 4.20
Efficiency Ratio 53.94 51.30 50.46 54.65 56.52
Noninterest Inc/ Operating Rev 26.68 22.09 20.20 21.35 26.32
Balance Sheet Ratios (%)
Loans/ Deposits 85.17 91.23 88 85.84 82.59
Securities/ Assets 13.15 12.81 16.43 18.74 20.13
Total Equity/ Total Assets 15.43 16.90 15.98 12.70 10.88
Tangible Equity/ Tangible Assets 9.11 10.09 9.60 9.10 8.68
Tang Common Equity/ Tang Assets 9.11 10.09 9.60 9.10 8.68
Asset Quality (%)
NPAs/ Assets 0.52 0.29 0.28 0.47 0.73
NPA Excl Restructured/ Assets 0.48 0.25 0.22 0.30 0.52
NPAs & 90+ PD/ Assets 0.52 0.30 0.28 0.47 0.73
NPAs/ Loans & REO 0.79 0.41 0.42 0.70 1.08
Nonaccrual & 90+ & OREO/ Assets 0.48 0.26 0.22 0.30 0.52
NPAs & 90+ PD/ Loans & REO 0.79 0.43 0.42 0.70 1.08
NPA & Loans 90+/ Tangible Common Equity + LLR 5.59 3.17 3.08 5.11 8.15
NCOs/ Avg Loans 0.05 0.09 0.02 (0.02) 0.01
Loan Loss Reserves/ Gross Loans 1.30 0.34 0.47 0.68 0.79
Reserves/ NPAs 164.59 81 113.31 97.98 72.62
Loan Loss Provision/ NCO NM 109.12 619.06 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,557,403 1,555,756 1,104,959 621,956 431,546
Tier 1 Capital($000) 1,557,403 1,555,756 1,143,459 649,350 452,925
Tier 2 Capital($000) 149,489 117,155 39,770 32,825 27,041
Total Capital($000) 1,706,892 1,672,911 1,183,229 682,175 479,966
Total Risk-weighted Assets($000) 14,655,540 13,700,870 9,319,285 5,431,060 3,828,518
Tier 1 Common Capital (CET1) Ratio(%) 10.63 11.34 11.86 11.46 11.27
Tier 1 Ratio(%) 10.63 11.34 12.27 11.96 11.83
Total Capital Ratio(%) 11.65 12.19 12.70 12.57 12.54
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.65 9.74 10.04 9.82 9.11
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 124,131,401 125,173,597 95,679,596 60,161,334 48,146,981
Avg Diluted Shares(actual) 125,341,227 120,603,823 88,758,853 58,340,813 48,191,523
Basic Book Value per Share 23.12 23.14 20.60 15.04 11.47
Book Value per Share, As Reported 23.12 23.14 20.60 15.04 11.47
Basic Tangible Book Value per Share 12.69 12.77 11.51 10.35 8.93
Tangible Book Value per Share, As Reported 12.68 12.76 11.49 10.35 8.93
Common Dividends Declared per Share 0.14 0.44 0.40 0.24 0.16
EPS after Extra 0.28 1.87 1.76 0.95 0.88
EPS after Extra Growth(%) (39.10) 6.30 85.30 8 3.50
Core EPS 0.33 2.23 2.19 1.45 1.33
Core EPS Growth(%) (38.80) 2.10 51 9.30 47.80
Diluted EPS before Amortization 0.32 2 1.87 1.02 0.94
Pre-Provision Earnings per Share 0.56 2.26 2.17 1.40 1.34
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