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 30,496,121 26,065,789 25,463,842 24,833,415 25,641,424
Total Net Loans 16,167,095 14,590,944 14,001,060 13,845,540 13,271,260
Total Deposits 24,526,967 20,520,415 20,323,659 20,425,446 21,101,095
Equity Attributable to Parent Company 3,357,867 3,134,684 2,931,298 2,716,560 2,495,783
Total Equity 3,358,169 3,138,472 2,937,149 2,718,184 2,501,132
Profitability (%)
Net Income($000) 88,334 422,712 438,214 319,900 276,854
Net Income Attributable to Parent($000) 91,720 421,231 433,542 319,383 275,391
ROAA 0.63 1.68 1.78 1.28 1.13
Core ROAA 0.76 1.62 1.74 1.18 1.12
ROAE 5.40 13.74 15.81 12.13 11.09
ROATCE NA 14.60 16.90 13.15 11.96
Core ROAE 6.49 13.24 15.44 11.28 11
Net Interest Margin 3.11 3.48 3.53 3.19 3.04
Reported: Net Interest Margin 3.12 3.48 3.53 3.19 3.04
Efficiency Ratio 58.48 56.93 55.27 60.63 59.59
Noninterest Inc/ Operating Rev 37.37 38.39 37.47 38.51 39.46
Balance Sheet Ratios (%)
Loans/ Deposits 66.85 71.82 69.58 68.46 63.56
Securities/ Assets 34.33 33.54 34.16 35.81 38.11
Total Equity/ Total Assets 11.01 12.04 11.53 10.95 9.75
Tangible Equity/ Tangible Assets NA 11.56 11.04 10.43 9.25
Tang Common Equity/ Tang Assets NA 10.99 10.45 9.84 8.66
Asset Quality (%)
NPAs/ Assets NA 0.31 0.31 0.47 0.25
NPA Excl Restructured/ Assets 0.08 0.04 0.05 0.05 0.06
NPAs & 90+ PD/ Assets NA 0.39 0.38 0.54 0.32
NPAs/ Loans & REO NA 0.56 0.57 0.82 0.48
Nonaccrual & 90+ & OREO/ Assets 0.16 0.12 0.12 0.12 0.12
NPAs & 90+ PD/ Loans & REO NA 0.69 0.68 0.95 0.61
NPA & Loans 90+/ Tangible Common Equity + LLR NA 3.39 3.45 5.16 3.44
NCOs/ Avg Loans 0.25 0.35 0.30 0.31 0.25
Loan Loss Reserves/ Gross Loans 1.47 1.09 1.13 1.14 1.16
Reserves/ NPAs NA 195.72 199.84 138.15 240.27
Loan Loss Provision/ NCO NM 101.51 100.95 108.64 113.79
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 2,745,538 2,716,232 2,422,480 2,207,370
Tier 1 Capital($000) NA 2,890,322 2,861,016 2,567,264 2,352,154
Tier 2 Capital($000) NA 161,757 161,007 180,599 177,521
Total Capital($000) NA 3,052,079 3,022,023 2,747,863 2,529,675
Total Risk-weighted Assets($000) NA 19,713,813 19,103,966 19,149,949 18,994,730
Tier 1 Common Capital (CET1) Ratio(%) NA 13.93 14.22 12.65 11.62
Tier 1 Ratio(%) NA 14.66 14.98 13.41 12.38
Total Capital Ratio(%) NA 15.48 15.82 14.35 13.32
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.88 11.38 11.52 10.39 9.55
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 111,533,315 112,131,549 116,684,959 117,543,085 117,454,000
Avg Diluted Shares(actual) 111,136,398 114,066,318 116,713,028 116,784,741 116,339,804
Basic Book Value per Share 28.81 26.66 23.88 21.88 20.02
Book Value per Share, As Reported 28.81 26.70 23.93 21.89 20.06
Basic Tangible Book Value per Share NA 25.41 22.67 20.67 18.80
Common Dividends Declared per Share 0.54 1.00 0.84 0.78 0.74
EPS after Extra 0.78 3.58 3.60 2.62 2.26
EPS after Extra Growth(%) (54.80) (0.60) 37.40 15.90 7.40
Core EPS 0.90 3.46 3.52 2.41 2.24
Core EPS Growth(%) (47.70) (1.70) 45.60 8 9
Diluted EPS before Amortization NA 3.58 3.61 2.63 2.27
Pre-Provision Earnings per Share 1.83 3.79 3.77 2.38 2.31
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