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 24,557,545 22,205,700 11,194,623 8,714,544 6,018,248
Total Net Loans 17,442,843 15,695,061 8,461,242 6,525,733 4,536,707
Total Deposits 18,407,515 16,451,702 8,759,307 6,971,414 4,782,605
Equity Attributable to Parent Company 3,897,041 3,707,952 1,496,696 1,155,611 802,693
Total Equity 3,897,041 3,707,952 1,496,696 1,155,611 802,693
Profitability (%)
Net Income($000) 264,122 173,979 127,225 95,509 70,471
Net Income Attributable to Parent($000) 264,122 173,979 127,225 95,509 70,471
ROAA 1.52 1.02 1.27 1.34 1.24
Core ROAA 1.59 1.39 1.37 1.40 1.24
ROAE 9.26 6.26 9.47 10.06 9.19
ROATCE 18.57 12.83 15.18 15.37 13.66
Core ROAE 9.68 8.54 10.22 10.52 9.24
Net Interest Margin 3.62 3.67 3.60 3.64 3.70
Reported: Net Interest Margin 3.70 3.76 3.70 3.72 3.75
Efficiency Ratio 46.05 46.64 49.34 50.81 54.82
Noninterest Inc/ Operating Rev 20.70 21.99 27.07 26.65 21.19
Balance Sheet Ratios (%)
Loans/ Deposits 94.87 95.02 96.47 93.86 95.97
Securities/ Assets 13.93 12.42 13.66 12.11 13.44
Total Equity/ Total Assets 15.87 16.70 13.37 13.26 13.34
Tangible Equity/ Tangible Assets 8.99 9.06 8.75 8.62 9.64
Tang Common Equity/ Tang Assets 8.99 9.06 8.75 8.62 9.64
Asset Quality (%)
NPAs/ Assets 0.41 0.41 0.43 0.51 0.61
NPA Excl Restructured/ Assets 0.39 0.38 0.30 0.42 0.47
NPAs & 90+ PD/ Assets 0.42 0.43 0.44 0.53 0.62
NPAs/ Loans & REO 0.58 0.58 0.57 0.67 0.80
Nonaccrual & 90+ & OREO/ Assets 0.40 0.40 0.31 0.44 0.48
NPAs & 90+ PD/ Loans & REO 0.59 0.61 0.58 0.70 0.81
NPA & Loans 90+/ Tangible Common Equity + LLR 4.88 5.04 5.04 5.94 5.98
NCOs/ Avg Loans 0.10 0.13 0.33 0.21 0.10
Loan Loss Reserves/ Gross Loans 0.46 0.43 0.69 0.99 1.46
Reserves/ NPAs 78.63 73.01 121.17 147.25 182.11
Loan Loss Provision/ NCO 203.51 153.62 73.96 82.66 85.61
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,954,972 1,725,219 802,532 673,988 570,433
Tier 1 Capital($000) 1,955,095 1,725,323 882,654 753,988 633,348
Tier 2 Capital($000) 553,253 540,838 328,451 126,769 NA
Total Capital($000) 2,508,348 2,266,161 1,211,105 880,757 698,810
Total Risk-weighted Assets($000) 20,705,547 18,812,653 10,210,711 7,868,570 5,233,329
Tier 1 Common Capital (CET1) Ratio(%) 9.40 9.14 7.86 8.57 10.09
Tier 1 Ratio(%) 9.40 9.14 8.64 9.58 12.10
Total Capital Ratio(%) 12.10 12.01 11.86 11.19 13.35
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.80 8.65 8.55 9.34 11.29
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 77,867,000 77,739,636 46,359,377 40,906,064 35,732,483
Avg Diluted Shares(actual) 77,442,554 64,328,189 43,731,992 37,973,788 35,126,890
Basic Book Value per Share 50.05 47.70 32.28 28.25 22.46
Book Value per Share, As Reported 50.05 47.70 32.28 28.25 22.45
Basic Tangible Book Value per Share 26.21 23.71 20.06 17.43 15.57
Tangible Book Value per Share, As Reported 26.21 23.71 20.06 17.46 15.57
Common Dividends Declared per Share 0.42 0.56 0.56 0.48 0.32
EPS after Extra 3.41 2.70 2.91 2.52 2.01
EPS after Extra Growth(%) 38.60 (7.20) 15.50 25.40 20.40
Core EPS 3.56 3.68 3.14 2.63 2.02
Core EPS Growth(%) 34 17.20 19.30 30.30 16.60
Diluted EPS before Amortization 3.51 2.84 3.01 2.57 2.04
Pre-Provision Earnings per Share 3.71 3.65 3.29 2.69 2.02
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