Financial Highlights

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 17,420,376 12,337,588 7,123,975 5,078,559 4,022,717
Total Net Loans 11,999,597 8,341,133 4,760,043 3,404,991 2,573,041
Total Deposits 13,363,063 9,477,336 5,560,523 4,152,544 3,215,178
Equity Attributable to Parent Company 2,857,702 1,971,344 904,750 552,457 490,514
Total Equity 2,857,702 1,971,344 904,750 552,457 490,514
Profitability (%)
Net Income($000) 155,466 156,435 55,795 42,341 39,338
Net Income Attributable to Parent($000) 154,264 156,435 55,795 42,341 39,338
ROAA 1.34 1.43 0.88 0.87 1
Core ROAA 1.68 1.78 1.34 1.31 1.06
ROAE 7.98 9.41 6.81 7.96 8.35
ROATCE 14.50 16.93 9.78 10.70 10.72
Core ROAE 10.04 11.69 10.38 11.99 8.81
Net Interest Margin 4.32 4.39 4.28 4.20 4.51
Reported: Net Interest Margin 4.33 4.39 4.28 4.20 4.51
Efficiency Ratio 51.32 50.46 54.65 56.52 61.86
Noninterest Inc/ Operating Rev 21.29 20.20 21.35 26.32 19.45
Balance Sheet Ratios (%)
Loans/ Deposits 89.17 88 85.84 82.59 80.67
Securities/ Assets 12.03 16.43 18.74 20.13 22.24
Total Equity/ Total Assets 16.40 15.98 12.70 10.88 12.19
Tangible Equity/ Tangible Assets 9.65 9.60 9.10 8.68 10.19
Tang Common Equity/ Tang Assets 9.65 9.60 9.10 8.68 10.19
Asset Quality (%)
NPAs/ Assets 0.31 0.28 0.47 0.73 0.82
NPA Excl Restructured/ Assets 0.26 0.22 0.30 0.52 0.56
NPAs & 90+ PD/ Assets 0.31 0.28 0.47 0.73 0.82
NPAs/ Loans & REO 0.45 0.42 0.70 1.08 1.36
Nonaccrual & 90+ & OREO/ Assets 0.27 0.22 0.30 0.52 0.56
NPAs & 90+ PD/ Loans & REO 0.45 0.42 0.70 1.08 1.36
NPA & Loans 90+/ Tangible Common Equity + LLR 3.43 3.08 5.11 8.15 7.75
NCOs/ Avg Loans 0.07 0.02 (0.02) 0.01 0.09
Loan Loss Reserves/ Gross Loans 0.35 0.47 0.68 0.79 0.86
Reserves/ NPAs 77.42 113.31 97.98 72.62 67.88
Loan Loss Provision/ NCO 141.78 619.06 NM NM 224.65
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,512,171 1,104,959 621,956 431,546 399,876
Tier 1 Capital($000) 1,512,171 1,143,459 649,350 452,925 416,484
Tier 2 Capital($000) 118,491 39,770 32,825 27,041 22,264
Total Capital($000) 1,630,662 1,183,229 682,175 479,966 438,748
Total Risk-weighted Assets($000) 13,623,162 9,319,285 5,431,060 3,828,518 2,779,025
Tier 1 Common Capital (CET1) Ratio(%) 11.10 11.86 11.46 11.27 14.39
Tier 1 Ratio(%) 11.10 12.27 11.96 11.83 14.99
Total Capital Ratio(%) 12 12.70 12.57 12.54 15.79
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.50 10.04 9.82 9.11 10.53
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 126,037,434 95,679,596 60,161,334 48,146,981 45,459,195
Avg Diluted Shares(actual) 118,756,828 88,758,853 58,340,813 48,191,523 45,788,632
Basic Book Value per Share 22.67 20.60 15.04 11.47 10.79
Book Value per Share, As Reported 22.67 20.60 15.04 11.47 10.79
Basic Tangible Book Value per Share 12.34 11.51 10.35 8.93 8.82
Tangible Book Value per Share, As Reported 12.32 11.49 10.35 8.93 8.82
Common Dividends Declared per Share 0.33 0.40 0.24 0.16 0.07
EPS after Extra 1.30 1.76 0.95 0.88 0.85
EPS after Extra Growth(%) 5.70 85.30 8 3.50 174.20
Core EPS 1.63 2.19 1.45 1.33 0.90
Core EPS Growth(%) 0.30 51 9.30 47.80 58.10
Diluted EPS before Amortization 1.40 1.87 1.02 0.94 0.91
Pre-Provision Earnings per Share 1.65 2.17 1.40 1.34 0.94
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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