Financial Highlights

Financial Highlights
2020 FQ2 YTD
6/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 10,513,539 9,808,578 9,725,769 9,845,274 9,500,465
Total Net Loans 7,680,132 7,277,360 7,195,026 7,265,523 6,941,603
Total Deposits 7,660,066 7,102,609 6,830,122 6,714,166 6,553,629
Equity Attributable to Parent Company 1,410,407 1,413,840 1,358,980 1,298,661 1,251,781
Total Equity 1,410,407 1,413,840 1,358,980 1,298,661 1,251,781
Profitability (%)
Net Income($000) 29,242 112,633 118,387 93,949 87,802
Net Income Attributable to Parent($000) 29,242 112,633 118,387 93,949 87,802
ROAA 0.57 1.15 1.22 0.99 0.95
Core ROAA 0.63 1.19 1.21 1.04 0.97
ROAE 4.13 8.07 8.93 7.28 7.12
ROATCE 6.19 11.89 13.23 11 11.11
Core ROAE 4.52 8.38 8.92 7.71 7.27
Net Interest Margin 3.09 3.33 3.37 3.28 3.16
Reported: Net Interest Margin 3.09 3.35 3.39 3.21 3.11
Efficiency Ratio 57.48 54.22 53.13 54.31 56.50
Noninterest Inc/ Operating Rev 18.08 17.62 15.81 16.67 17.54
Balance Sheet Ratios (%)
Loans/ Deposits 101.39 103.24 106.16 109.11 106.86
Securities/ Assets 13.76 15.18 16.57 16.22 16.89
Total Equity/ Total Assets 13.42 14.41 13.97 13.19 13.18
Tangible Equity/ Tangible Assets 9.68 10.43 10.11 9.33 9.14
Tang Common Equity/ Tang Assets 9.68 10.43 10.11 9.33 9.14
Asset Quality (%)
NPAs/ Assets 0.72 0.87 0.65 0.75 0.85
NPA Excl Restructured/ Assets 0.37 0.44 0.28 0.42 0.53
NPAs & 90+ PD/ Assets 0.72 0.87 0.65 0.75 0.85
NPAs/ Loans & REO 0.98 1.17 0.87 1 1.15
Nonaccrual & 90+ & OREO/ Assets 0.37 0.44 0.28 0.42 0.53
NPAs & 90+ PD/ Loans & REO 0.98 1.17 0.87 1 1.15
NPA & Loans 90+/ Tangible Common Equity + LLR 7.17 8.28 6.31 7.82 9.01
NCOs/ Avg Loans 0.07 0.18 0.39 0.10 0.07
Loan Loss Reserves/ Gross Loans 1.11 0.76 0.77 0.82 0.88
Reserves/ NPAs 113.28 64.90 88.29 81.90 77.08
Loan Loss Provision/ NCO NM 99.72 83.65 76.84 109.29
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 970,600 973,214 953,768 887,924 835,282
Tier 1 Capital($000) 970,600 973,214 953,768 887,924 835,282
Tier 2 Capital($000) 75,061 55,665 55,707 60,346 61,883
Total Capital($000) 1,045,661 1,028,879 1,009,475 948,270 897,165
Total Risk-weighted Assets($000) 8,418,237 7,749,317 7,606,160 7,881,960 7,178,853
Tier 1 Common Capital (CET1) Ratio(%) 11.53 12.56 12.54 11.27 11.64
Tier 1 Ratio(%) 11.53 12.56 12.54 11.27 11.64
Total Capital Ratio(%) 12.42 13.28 13.27 12.03 12.50
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.02 10.34 10.24 9.65 9.25
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 65,741,182 65,787,900 66,325,458 66,535,017 66,082,283
Avg Diluted Shares(actual) 64,428,854 64,734,591 65,103,097 64,579,222 63,851,986
Basic Book Value per Share 21.45 21.49 20.49 19.52 18.94
Book Value per Share, As Reported 21.45 21.49 20.49 19.52 18.94
Basic Tangible Book Value per Share 14.84 14.86 14.19 13.21 12.56
Tangible Book Value per Share, As Reported 14.83 14.85 14.18 13.20 12.54
Common Dividends Declared per Share 0.46 1.12 0.82 0.93 0.71
EPS after Extra 0.45 1.74 1.82 1.45 1.38
EPS after Extra Growth(%) (47.10) (4.40) 25.50 5.10 3.80
Core EPS 0.49 1.81 1.82 1.54 1.41
Core EPS Growth(%) (43.10) (0.60) 18.40 9 3
Diluted EPS before Amortization 0.47 1.78 1.85 1.49 1.43
Pre-Provision Earnings per Share 0.88 1.99 2.01 1.46 1.33
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