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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 19,882,539 19,207,603 3.51 19,645,133 4.83
Total Net Loans 13,929,459 13,724,688 1.49 13,741,580 5.47
Total Deposits 14,404,085 13,830,766 4.15 14,159,397 6.91
Equity Attributable to Parent Company 3,333,858 3,242,565 2.82 3,286,891 5.72
Total Equity 3,333,858 3,242,565 2.82 3,286,891 5.72
Profitability (%)
Net Income($000) 67,207 66,274 1.41 63,642 22.41
Net Income Attributable to Parent($000) 67,207 66,274 1.41 63,642 22.41
ROAA 1.38 1.42 (4) bp 1.32 6 bp
Core ROAA 1.49 1.45 4 bp 1.34 15 bp
ROAE 8.09 8.09 0 bp 7.77 32 bp
ROATCE 15.14 15.43 (29) bp 14.72 42 bp
Core ROAE 8.74 8.29 45 bp 7.90 84 bp
Net Interest Margin 3.51 3.64 (13) bp 3.42 9 bp
Reported: Net Interest Margin 3.53 3.67 (14) bp 3.46 7 bp
Efficiency Ratio 48.48 48.76 (28) bp 49.02 (54) bp
Noninterest Inc/ Operating Rev 20.86 19.47 139 bp 17.59 327 bp
Balance Sheet Ratios (%)
Loans/ Deposits 94.66 97.73 (307) bp 95.86 (120) bp
Securities/ Assets 12.94 11.85 109 bp 13.24 (30) bp
Total Equity/ Total Assets 16.77 16.88 (11) bp 16.73 4 bp
Tangible Equity/ Tangible Assets 9.92 9.74 18 bp 9.78 14 bp
Tang Common Equity/ Tang Assets 9.92 9.74 18 bp 9.78 14 bp
Asset Quality (%)
NPAs/ Assets 0.73 0.81 (8) bp 0.70 3 bp
NPA Excl Restructured/ Assets 0.67 0.74 (7) bp 0.65 2 bp
NPAs & 90+ PD/ Assets 0.79 0.90 (11) bp 0.78 1 bp
NPAs/ Loans & REO 1.03 1.13 (10) bp 0.99 4 bp
Nonaccrual & 90+ & OREO/ Assets 0.74 0.83 (9) bp 0.73 1 bp
NPAs & 90+ PD/ Loans & REO 1.12 1.25 (13) bp 1.11 1 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 8.27 9.60 (133) bp 8.28 (1) bp
NCOs/ Avg Loans 0.17 0.17 0 bp 0.14 3 bp
Loan Loss Reserves/ Gross Loans 0.55 0.56 (1) bp 0.56 (1) bp
Reserves/ NPAs 52.93 49.34 359 bp 55.97 (304) bp
Loan Loss Provision/ NCO 91.77 108.42 (1,665) bp 103.80 (1,203) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,842,772 1,793,586 2.74 1,812,954 6.58
Tier 1 Capital($000) 1,842,772 1,793,586 2.74 1,812,954 6.58
Tier 2 Capital($000) 326,152 326,062 0.03 326,347 (0.24)
Total Capital($000) 2,168,924 2,119,648 2.32 2,139,301 5.54
Total Risk-weighted Assets($000) 15,145,348 14,899,260 1.65 15,079,209 1.75
Tier 1 Common Capital (CET1) Ratio(%) 12.17 12.04 13 bp 12.02 15 bp
Tier 1 Ratio(%) 12.17 12.04 13 bp 12.02 15 bp
Total Capital Ratio(%) 14.32 14.23 9 bp 14.19 13 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.18 10.36 (18) bp 10.16 2 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 101,963,030 104,203,542 (2.15) 102,118,029 (0.61)
Avg Diluted Shares(actual) 102,047,845 104,952,788 (2.77) 102,162,704 (0.45)
Basic Book Value per Share 32.70 31.12 5.08 32.19 6.34
Book Value per Share, As Reported 32.70 31.12 5.08 32.19 6.34
Basic Tangible Book Value per Share 17.87 16.54 8.04 17.37 11.51
Tangible Book Value per Share, As Reported 17.87 16.54 8.04 17.37 11.51
Common Dividends Declared per Share 0.34 0.34 0 0.34 0
EPS after Extra 0.66 0.63 4.76 0.62 25.81
EPS after Extra Growth(%) 4.80 70.30 (6,551) bp 5.10 (32) bp
Core EPS 0.71 0.65 9.23 0.63 50.79
Core EPS Growth(%) 10.40 13.10 (277) bp 3.50 688 bp
Diluted EPS before Amortization 0.68 0.65 4.62 0.64 25
Pre-Provision Earnings per Share 0.74 0.69 7.25 0.66 48.48

   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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