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 27,547,834 25,031,044 22,205,700 11,194,623 8,714,544
Total Net Loans 19,346,349 17,674,124 15,695,061 8,461,242 6,525,733
Total Deposits 20,000,677 18,849,107 16,451,702 8,759,307 6,971,414
Equity Attributable to Parent Company 4,294,630 3,965,940 3,707,952 1,496,696 1,155,611
Total Equity 4,294,630 3,965,940 3,707,952 1,496,696 1,155,611
Profitability (%)
Net Income($000) 304,802 359,440 173,979 127,225 95,509
Net Income Attributable to Parent($000) 304,802 359,440 173,979 127,225 95,509
ROAA 1.56 1.53 1.02 1.27 1.34
Core ROAA 1.63 1.59 1.39 1.37 1.40
ROAE 9.83 9.37 6.26 9.47 10.06
ROATCE 18.14 18.60 12.83 15.18 15.37
Core ROAE 10.29 9.75 8.54 10.22 10.52
Net Interest Margin 3.37 3.60 3.67 3.60 3.64
Reported: Net Interest Margin 3.51 3.68 3.76 3.70 3.72
Efficiency Ratio 46.19 46.26 46.64 49.34 50.81
Noninterest Inc/ Operating Rev 26.82 21.39 21.99 27.07 26.65
Balance Sheet Ratios (%)
Loans/ Deposits 96.72 93.94 95.02 96.47 93.86
Securities/ Assets 13.98 14.05 12.42 13.66 12.11
Total Equity/ Total Assets 15.59 15.84 16.70 13.37 13.26
Tangible Equity/ Tangible Assets 9.44 9.12 9.06 8.75 8.62
Tang Common Equity/ Tang Assets 9.44 9.12 9.06 8.75 8.62
Asset Quality (%)
NPAs/ Assets 0.40 0.44 0.41 0.43 0.51
NPA Excl Restructured/ Assets 0.38 0.41 0.38 0.30 0.42
NPAs & 90+ PD/ Assets 0.40 0.44 0.43 0.44 0.53
NPAs/ Loans & REO 0.56 0.61 0.58 0.57 0.67
Nonaccrual & 90+ & OREO/ Assets 0.38 0.42 0.40 0.31 0.44
NPAs & 90+ PD/ Loans & REO 0.57 0.62 0.61 0.58 0.70
NPA & Loans 90+/ Tangible Common Equity + LLR 4.43 5.04 5.04 5.04 5.94
NCOs/ Avg Loans 0.09 0.11 0.13 0.33 0.21
Loan Loss Reserves/ Gross Loans 0.48 0.47 0.43 0.69 0.99
Reserves/ NPAs 85.82 76.59 73.01 121.17 147.25
Loan Loss Provision/ NCO 180.15 190.54 153.62 73.96 82.66
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,238,413 2,024,070 1,725,219 802,532 673,988
Tier 1 Capital($000) 2,238,535 2,024,193 1,725,323 882,654 753,988
Tier 2 Capital($000) 855,012 555,950 540,838 328,451 126,769
Total Capital($000) 3,093,547 2,580,143 2,266,161 1,211,105 880,757
Total Risk-weighted Assets($000) 23,370,342 21,137,263 18,812,653 10,210,711 7,868,570
Tier 1 Common Capital (CET1) Ratio(%) 9.55 9.58 9.14 7.86 8.57
Tier 1 Ratio(%) 9.55 9.58 9.14 8.64 9.58
Total Capital Ratio(%) 13.20 12.21 12.01 11.86 11.19
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.92 8.91 8.65 8.55 9.34
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 76,735,514 77,483,796 77,739,636 46,359,377 40,906,064
Avg Diluted Shares(actual) 76,761,167 77,449,917 64,328,189 43,731,992 37,973,788
Basic Book Value per Share 55.97 51.18 47.70 32.28 28.25
Book Value per Share, As Reported 55.97 51.18 47.70 32.28 28.25
Basic Tangible Book Value per Share 31.60 27.27 23.71 20.06 17.43
Tangible Book Value per Share, As Reported 31.60 27.27 23.71 20.06 17.46
Common Dividends Declared per Share 0.48 0.58 0.56 0.56 0.48
EPS after Extra 3.97 4.64 2.70 2.91 2.52
EPS after Extra Growth(%) 16.40 71.90 (7.20) 15.50 25.40
Core EPS 4.15 4.83 3.68 3.14 2.63
Core EPS Growth(%) 16.90 31.10 17.20 19.30 30.30
Diluted EPS before Amortization 4.06 4.78 2.84 3.01 2.57
Pre-Provision Earnings per Share 4.25 5.02 3.65 3.29 2.69
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