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Financial Highlights

Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 9,359,931 10,319,280 (9.30) 9,886,525 (21.31)
Total Net Loans 7,257,767 6,993,079 3.78 7,518,506 (13.87)
Total Deposits 6,292,290 7,135,794 (11.82) 7,724,932 (74.18)
Equity Attributable to Parent Company 963,544 988,688 (2.54) 948,325 6.42
Total Equity 963,544 988,688 (2.54) 948,325 6.42
Profitability (%)
Net Income($000) 16,582 14,780 12.19 7,037 542.56
Net Income Attributable to Parent($000) 16,582 14,780 12.19 7,037 542.56
ROAA 0.69 0.58 11 bp 0.27 42 bp
Core ROAA 0.71 0.62 9 bp 0.37 34 bp
ROAE 6.89 5.91 98 bp 2.94 395 bp
ROATCE 7.21 5.85 136 bp 1.77 544 bp
Core ROAE 7.04 6.30 74 bp 4 304 bp
Net Interest Margin 2.85 3 (15) bp 2.77 8 bp
Reported: Net Interest Margin 2.86 3.01 (15) bp 2.81 5 bp
Efficiency Ratio 69.01 73.65 (464) bp 79.06 (1,005) bp
Noninterest Inc/ Operating Rev (3.66) 7.24 (1,090) bp 8.24 (1,190) bp
Balance Sheet Ratios (%)
Loans/ Deposits 106.79 98.60 819 bp 97.83 896 bp
Securities/ Assets 13.29 22.99 (970) bp 15.45 (216) bp
Total Equity/ Total Assets 10.29 9.58 71 bp 9.59 70 bp
Tangible Equity/ Tangible Assets 9.87 9.17 70 bp 9.18 69 bp
Tang Common Equity/ Tang Assets 7.39 6.55 84 bp 6.84 55 bp
Asset Quality (%)
NPAs/ Assets 0.52 0.28 24 bp 0.34 18 bp
NPA Excl Restructured/ Assets 0.31 0.22 9 bp 0.28 3 bp
NPAs & 90+ PD/ Assets 0.53 0.28 25 bp 0.35 18 bp
NPAs/ Loans & REO 0.67 0.41 26 bp 0.44 23 bp
Nonaccrual & 90+ & OREO/ Assets 0.31 0.22 9 bp 0.29 2 bp
NPAs & 90+ PD/ Loans & REO 0.67 0.41 26 bp 0.45 22 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 6.59 3.93 266 bp 4.66 193 bp
NCOs/ Avg Loans 0.13 0.04 9 bp 0.04 9 bp
Loan Loss Reserves/ Gross Loans 0.81 0.80 1 bp 0.84 (3) bp
Reserves/ NPAs 121.43 197.84 (7,641) bp 189.97 (6,854) bp
Loan Loss Provision/ NCO (83.66) 359.49 (44,315) bp 306.72 (39,038) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 688,308 677,664 1.57 677,330 6.48
Tier 1 Capital($000) 919,436 946,735 (2.88) 908,458 4.83
Tier 2 Capital($000) 63,818 60,709 5.12 68,093 (25.11)
Total Capital($000) 983,254 1,007,444 (2.40) 976,551 2.75
Total Risk-weighted Assets($000) 6,554,570 6,847,526 (4.28) 6,970,740 (23.88)
Tier 1 Common Capital (CET1) Ratio(%) 10.50 9.90 60 bp 9.72 78 bp
Tier 1 Ratio(%) 14.03 13.83 20 bp 13.03 100 bp
Total Capital Ratio(%) 15 14.71 29 bp 14.01 99 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.62 9.30 32 bp 8.87 75 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 50,875,090 50,546,733 0.65 50,792,811 0.65
Avg Diluted Shares(actual) 50,964,956 50,919,091 0.09 50,846,721 0.93
Basic Book Value per Share 14.40 14.24 1.12 14.12 7.93
Book Value per Share, As Reported 14.40 14.24 1.12 14.12 7.93
Basic Tangible Book Value per Share 13.54 13.31 1.73 13.25 8.75
Tangible Book Value per Share, As Reported 13.57 13.35 1.65 13.28 8.73
Common Dividends Declared per Share 0.06 0.13 (53.85) 0.13 (215.38)
EPS after Extra 0.23 0.18 27.78 0.05 1,440
EPS after Extra Growth(%) 27.80 28.60 (79) bp (16.70) 4,445 bp
Core EPS 0.24 0.20 20 0.10 560
Core EPS Growth(%) 19.10 0.20 1,887 bp NM NM
Diluted EPS before Amortization 0.24 0.20 20 0.06 1,200
Pre-Provision Earnings per Share 0.20 0.20 0 0.14 171.43

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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