Financial Highlights

Financial Highlights
2018 FQ3 YTD
9/30/2018
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 12,274,365 7,123,975 5,078,559 4,022,717 3,776,869
Total Net Loans 8,223,835 4,760,043 3,404,991 2,573,041 2,410,878
Total Deposits 9,474,526 5,560,523 4,152,544 3,215,178 3,092,040
Equity Attributable to Parent Company 1,913,159 904,750 552,457 490,514 452,477
Total Equity 1,913,159 904,750 552,457 490,514 452,477
Profitability (%)
Net Income($000) 105,784 55,795 42,341 39,338 12,964
Net Income Attributable to Parent($000) 105,784 55,795 42,341 39,338 12,964
ROAA 1.34 0.88 0.87 1 0.38
Core ROAA 1.77 1.34 1.31 1.06 0.69
ROAE 8.98 6.81 7.96 8.35 3.31
ROATCE 15.81 9.78 10.70 10.72 4.73
Core ROAE 11.88 10.38 11.99 8.81 6.06
Net Interest Margin 4.38 4.28 4.20 4.51 4.41
Reported: Net Interest Margin 4.39 4.28 4.20 4.51 4.41
Efficiency Ratio 50.56 54.65 56.52 61.86 72.18
Noninterest Inc/ Operating Rev 19.52 21.35 26.32 19.45 16.67
Balance Sheet Ratios (%)
Loans/ Deposits 86.79 85.84 82.59 80.67 78.57
Securities/ Assets 14.90 18.74 20.13 22.24 20.47
Total Equity/ Total Assets 15.59 12.70 10.88 12.19 11.98
Tangible Equity/ Tangible Assets 9.13 9.10 8.68 10.19 9.78
Tang Common Equity/ Tang Assets 9.13 9.10 8.68 10.19 9.78
Asset Quality (%)
NPAs/ Assets 0.31 0.47 0.73 0.82 1.22
NPA Excl Restructured/ Assets 0.23 0.30 0.52 0.56 0.92
NPAs & 90+ PD/ Assets 0.31 0.47 0.73 0.82 1.22
NPAs/ Loans & REO 0.46 0.70 1.08 1.36 2.12
Nonaccrual & 90+ & OREO/ Assets 0.23 0.30 0.52 0.56 0.92
NPAs & 90+ PD/ Loans & REO 0.46 0.70 1.08 1.36 2.12
NPA & Loans 90+/ Tangible Common Equity + LLR 3.50 5.11 8.15 7.75 12.10
NCOs/ Avg Loans 0 (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 102.61 97.98 72.62 67.88 43.26
Loan Loss Provision/ NCO NM NM NM 224.65 64.48
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,058,346 621,956 431,546 399,876 336,764
Tier 1 Capital($000) 1,105,846 649,350 452,925 416,484 364,264
Tier 2 Capital($000) 38,811 32,825 27,041 22,264 NA
Total Capital($000) 1,144,657 682,175 479,966 438,748 384,162
Total Risk-weighted Assets($000) 9,185,818 5,431,060 3,828,518 2,779,025 2,536,826
Tier 1 Common Capital (CET1) Ratio(%) 11.52 11.46 11.27 14.39 13.28
Tier 1 Ratio(%) 12.04 11.96 11.83 14.99 14.36
Total Capital Ratio(%) 12.46 12.57 12.54 15.79 15.14
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.97 9.82 9.11 10.53 10.11
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 95,636,051 60,161,334 48,146,981 45,459,195 45,323,553
Avg Diluted Shares(actual) 86,209,709 58,340,813 48,191,523 45,788,632 41,235,552
Basic Book Value per Share 20 15.04 11.47 10.79 9.98
Book Value per Share, As Reported 20 15.04 11.47 10.79 9.98
Basic Tangible Book Value per Share 10.89 10.35 8.93 8.82 7.95
Tangible Book Value per Share, As Reported 10.86 10.35 8.93 8.82 7.95
Common Dividends Declared per Share 0.30 0.24 0.16 0.07 0.04
EPS after Extra 1.23 0.95 0.88 0.85 0.31
EPS after Extra Growth(%) 30.90 8 3.50 174.20 (24.40)
Core EPS 1.63 1.45 1.33 0.90 0.57
Core EPS Growth(%) 48.50 9.30 47.80 58.10 32.60
Diluted EPS before Amortization 1.31 1.02 0.94 0.91 0.36
Pre-Provision Earnings per Share 1.59 1.40 1.34 0.94 0.55
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