Financial Highlights

Financial Highlights
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 34,027,428 32,292,966 31,747,880 30,196,319 28,565,942
Total Net Loans 14,618,165 13,967,601 12,990,301 11,822,347 11,350,672
Total Deposits 27,639,564 27,149,204 26,872,389 25,811,575 24,343,595
Equity Attributable to Parent Company 3,911,668 3,368,917 3,297,863 3,002,528 2,890,343
Total Equity 3,911,668 3,368,917 3,297,863 3,002,528 2,890,343
Profitability (%)
Net Income($000) 443,599 454,918 364,149 304,261 279,328
Net Income Attributable to Parent($000) 443,599 454,918 364,149 304,261 279,328
ROAA 1.38 1.47 1.20 1.06 1
Core ROAA 1.38 1.46 1.20 1 1
ROAE 11.98 13.85 11.48 9.95 9.65
ROATCE 14.86 17.83 15.05 13.17 13.10
Core ROAE 12 13.79 11.50 9.46 9.72
Net Interest Margin 3.72 3.64 3.68 3.52 3.42
Reported: Net Interest Margin 3.75 3.64 3.69 3.56 3.45
Efficiency Ratio 56.94 55.51 54.56 57.77 56.78
Noninterest Inc/ Operating Rev 26.59 26.61 28.15 29.49 30.80
Balance Sheet Ratios (%)
Loans/ Deposits 53.37 51.93 48.92 46.40 47.19
Securities/ Assets 39.17 38.78 37.63 41.31 41.63
Total Equity/ Total Assets 11.50 10.43 10.39 9.94 10.12
Tangible Equity/ Tangible Assets 9.75 8.57 8.49 7.93 7.98
Tang Common Equity/ Tang Assets 9.32 8.11 8.02 7.44 7.46
Asset Quality (%)
NPAs/ Assets 0.32 0.23 0.50 0.34 0.30
NPA Excl Restructured/ Assets 0.30 0.23 0.48 0.34 0.30
NPAs & 90+ PD/ Assets 0.34 0.30 0.54 0.42 0.33
NPAs/ Loans & REO 0.74 0.53 1.20 0.86 0.75
Nonaccrual & 90+ & OREO/ Assets 0.33 0.30 0.53 0.42 0.33
NPAs & 90+ PD/ Loans & REO 0.79 0.68 1.31 1.06 0.82
NPA & Loans 90+/ Tangible Common Equity + LLR 3.61 3.54 6.48 5.43 4.23
NCOs/ Avg Loans 0.23 0.33 0.27 0.30 0.14
Loan Loss Reserves/ Gross Loans 0.90 0.94 1.18 1.28 1.18
Reserves/ NPAs 120.72 176.38 98.77 149.18 158.49
Loan Loss Provision/ NCO 100.10 48.19 107 149.83 333.88
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,857,250 2,642,475 2,426,048 2,239,186 1,986,200
Tier 1 Capital($000) 3,001,736 2,786,961 2,570,534 2,383,672 2,163,936
Tier 2 Capital($000) 365,667 365,632 388,792 286,045 255,609
Total Capital($000) 3,367,403 3,152,593 2,959,326 2,669,717 2,419,545
Total Risk-weighted Assets($000) 23,112,657 21,530,561 19,537,917 17,880,202 17,474,303
Tier 1 Common Capital (CET1) Ratio(%) 12.36 12.27 12.42 12.52 11.37
Tier 1 Ratio(%) 12.99 12.94 13.16 13.33 12.38
Total Capital Ratio(%) 14.57 14.64 15.15 14.93 13.85
Leverage Ratio(%) 9.28 9.06 8.46 8.14 7.79
Per Share Information ($)
Common Shares Outstanding(actual) 62,669,004 62,985,842 63,475,586 63,474,221 61,982,333
Avg Diluted Shares(actual) 63,441,870 64,686,716 64,662,088 62,968,875 63,473,324
Basic Book Value per Share 60.11 51.19 49.68 45.03 44.30
Book Value per Share, As Reported 60.11 51.19 49.68 45.03 44.30
Basic Tangible Book Value per Share 49.62 40.74 39.28 34.60 33.60
Common Dividends Declared per Share 2.80 2.58 2.25 2.15 2.10
EPS after Extra 6.84 6.90 5.51 4.70 4.28
EPS after Extra Growth(%) (0.90) 25.20 17.20 9.80 (0.20)
Core EPS 6.85 6.87 5.52 4.46 4.31
Core EPS Growth(%) (0.20) 24.40 23.70 3.50 (2)
Diluted EPS before Amortization 6.86 6.92 5.54 4.74 4.33
Pre-Provision Earnings per Share 6.48 6.29 4.39 3.66 3.68
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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