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 2019 FQ12018 FQ1 2018 FQ4 
Period Ended3/31/20193/31/2018Y-Y Ch (%)12/31/2018 Q-Q Ch (%)
Balance Sheet ($000)   
Total Assets69,195,00066,481,0004.0868,746,0002.61
Total Net Loans47,178,00044,700,0005.5446,312,0007.48
Total Deposits54,535,00052,963,0002.9754,101,0003.21
Equity Attributable to Parent Company7,588,0007,644,000 (0.73) 7,578,0000.53
Total Equity7,588,0007,644,000 (0.73) 7,578,0000.53
Profitability (%)   
Net Income ($000) 213,000238,000 (10.50) 226,000 (23.01)
Net Income Attributable to Parent ($000) 213,000238,000 (10.50) 226,000 (23.01)
ROAA1.241.43 (19)  bp 1.35 (11)  bp
Core ROAA1.241.43 (19)  bp 1.33 (9)  bp
ROAE11.2512.48 (123)  bp 12.05 (80)  bp
ROATCE13.6215.15 (153)  bp 14.52 (90)  bp
Core ROAE11.2112.48 (127)  bp 11.90 (69)  bp
Net Interest Margin3.633.5112  bp 3.70 (7)  bp
Reported: Net Interest Margin3.683.5612  bp 3.671  bp
Efficiency Ratio60.7360.0073  bp 58.06267  bp
Noninterest Inc / Operating Rev18.5320.32 (179)  bp 19.33 (80)  bp
Balance Sheet Ratios (%)   
Loans / Deposits87.2985.12217  bp 86.3594  bp
Securities / Assets23.7824.62 (84)  bp 23.4830  bp
Total Equity / Total Assets10.9711.50 (53)  bp 11.02 (5)  bp
Tangible Equity / Tangible Assets9.6410.12 (48)  bp 9.69 (5)  bp
Tang Common Equity / Tang Assets8.819.26 (45)  bp 8.85 (4)  bp
Asset Quality (%)   
NPAs / Assets0.490.80 (31)  bp 0.54 (5)  bp
NPA Excl Restructured / Assets0.350.59 (24)  bp 0.37 (2)  bp
NPAs & 90+ PD / Assets0.500.83 (33)  bp 0.55 (5)  bp
NPAs / Loans & REO0.711.18 (47)  bp 0.79 (8)  bp
Nonaccrual & 90+ & OREO / Assets0.360.61 (25)  bp 0.39 (3)  bp
NPAs & 90+ PD / Loans & REO0.731.22 (49)  bp 0.81 (8)  bp
NPA & Loans 90+ / Tangible Common Equity + LLR5.328.43 (311)  bp 5.83 (51)  bp
NCOs / Avg Loans00.04 (4)  bp (0.07)7  bp
Loan Loss Reserves / Gross Loans1.041.05 (1)  bp 1.06 (2)  bp
Reserves / NPAs146.9688.455,851  bp 134.351,261  bp
Loan Loss Provision / NCONMNMNMNMNM
Capital Adequacy  ()  
Tier 1 Common Capital (CET1) ($000) 6,123,9356,333,460 (3.31) 6,245,268 (7.77)
Tier 1 Capital ($000) 6,689,7866,899,311 (3.04) 6,811,119 (7.13)
Tier 2 Capital ($000) 642,222770,396 (16.64) 638,7762.16
Total Capital ($000) 7,332,0087,669,707 (4.40) 7,449,895 (6.33)
Total Risk-weighted Assets ($000) 54,403,96851,779,3625.0753,591,1606.07
Tier 1 Common Capital (CET1) Ratio (%) 11.2612.23 (97)  bp 11.65 (39)  bp
Tier 1 Ratio (%) 12.3013.32 (102)  bp 12.71 (41)  bp
Total Capital Ratio (%) 13.4814.81 (133)  bp 13.90 (42)  bp
Liquidity Coverage Ratio (%) NANANANANA
Leverage Ratio (%) 9.8710.53 (66)  bp 10.27 (40)  bp
Basel III Leverage Ratio (%) NANANANANA
Per Share Information ($)   
Common Shares Outstanding (actual) 182,513,000197,050,000 (7.38) 187,554,000 (10.75)
Avg Diluted Shares (actual) 195,241,000210,243,000 (7.14) 199,048,000 (7.65)
Basic Book Value per Share38.4735.927.1037.3911.55
Book Value per Share, As Reported38.4735.927.1037.3911.55
Basic Tangible Book Value per Share32.9230.767.0231.9711.89
Tangible Book Value per Share, As Reported32.9230.767.0231.9711.89
Common Dividends Declared per Share0.300.20500.300
EPS after Extra1.041.08 (3.70) 1.08 (14.81)
EPS after Extra Growth (%) (3.7)77.00 (8,075)  bp 100.00 (10,370)  bp
Core EPS1.041.08 (3.70) 1.07 (11.21)
Core EPS Growth (%) (4.1)79.80 (8,385)  bp 40.00 (4,403)  bp
Diluted EPS before Amortization1.041.08 (3.70) 1.08 (14.81)
Pre-Provision Earnings per Share1.060.9610.421.12 (21.43)
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   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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