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 33,342,112 27,805,496 25,031,044 22,205,700 11,194,623
Total Net Loans 22,320,572 19,792,504 17,674,124 15,695,061 8,461,242
Total Deposits 25,521,829 20,181,028 18,849,107 16,451,702 8,759,307
Equity Attributable to Parent Company 4,695,647 4,355,748 3,965,940 3,707,952 1,496,696
Total Equity 4,695,647 4,355,748 3,965,940 3,707,952 1,496,696
Profitability (%)
Net Income($000) 90,800 400,881 359,440 173,979 127,225
Net Income Attributable to Parent($000) 90,800 400,881 359,440 173,979 127,225
ROAA 0.60 1.52 1.53 1.02 1.27
Core ROAA 0.64 1.58 1.59 1.39 1.37
ROAE 4.07 9.57 9.37 6.26 9.47
ROATCE 7.40 17.55 18.60 12.83 15.18
Core ROAE 4.36 9.96 9.75 8.53 10.22
Net Interest Margin 2.94 3.34 3.60 3.67 3.60
Reported: Net Interest Margin 3.06 3.46 3.68 3.76 3.70
Efficiency Ratio 47.57 47.15 46.26 46.66 49.34
Noninterest Inc/ Operating Rev 26.68 25.95 21.39 21.95 27.07
Balance Sheet Ratios (%)
Loans/ Deposits 88.24 98.05 93.94 95.02 96.47
Securities/ Assets 13.98 14.41 14.05 12.42 13.66
Total Equity/ Total Assets 14.08 15.67 15.84 16.70 13.37
Tangible Equity/ Tangible Assets 8.99 9.58 9.12 9.06 8.75
Tang Common Equity/ Tang Assets 8.30 9.58 9.12 9.06 8.75
Asset Quality (%)
NPAs/ Assets 0.26 0.35 0.44 0.41 0.43
NPA Excl Restructured/ Assets 0.25 0.33 0.41 0.38 0.30
NPAs & 90+ PD/ Assets 0.27 0.35 0.44 0.43 0.44
NPAs/ Loans & REO 0.39 0.48 0.61 0.58 0.57
Nonaccrual & 90+ & OREO/ Assets 0.26 0.33 0.42 0.40 0.31
NPAs & 90+ PD/ Loans & REO 0.40 0.49 0.62 0.61 0.58
NPA & Loans 90+/ Tangible Common Equity + LLR 3.10 3.78 5.04 5.04 5.04
NCOs/ Avg Loans 0.15 0.09 0.11 0.13 0.33
Loan Loss Reserves/ Gross Loans 1.26 0.48 0.47 0.43 0.69
Reserves/ NPAs 324.60 98.79 76.59 73.01 121.17
Loan Loss Provision/ NCO NM 169.66 190.54 153.62 73.96
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,383,349 2,319,112 2,024,070 1,725,219 802,532
Tier 1 Capital($000) 2,601,104 2,319,234 2,024,193 1,725,323 882,654
Tier 2 Capital($000) 898,591 840,141 555,950 540,838 328,451
Total Capital($000) 3,499,695 3,159,375 2,580,143 2,266,161 1,211,105
Total Risk-weighted Assets($000) 24,937,535 23,911,064 21,137,263 18,812,653 10,210,711
Tier 1 Common Capital (CET1) Ratio(%) 9.56 9.70 9.58 9.14 7.86
Tier 1 Ratio(%) 10.43 9.70 9.58 9.14 8.64
Total Capital Ratio(%) 14.03 13.21 12.21 12.01 11.86
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.45 9.08 8.91 8.65 8.55
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 75,836,218 76,563,811 77,483,796 77,739,636 46,359,377
Avg Diluted Shares(actual) 75,645,768 76,763,903 77,449,917 64,328,189 43,731,992
Basic Book Value per Share 59.05 56.89 51.18 47.70 32.28
Book Value per Share, As Reported 59.05 56.89 51.18 47.70 32.28
Basic Tangible Book Value per Share 34.43 32.45 27.27 23.71 20.06
Tangible Book Value per Share, As Reported 34.43 32.45 27.27 23.71 20.06
Common Dividends Declared per Share 0.32 0.64 0.58 0.56 0.56
EPS after Extra 1.20 5.22 4.64 2.70 2.91
EPS after Extra Growth(%) (52.60) 12.50 71.90 (7.20) 15.50
Core EPS 1.28 5.43 4.83 3.68 3.14
Core EPS Growth(%) (52.50) 12.50 31.20 17.10 19.30
Diluted EPS before Amortization 1.27 5.35 4.78 2.84 3.01
Pre-Provision Earnings per Share 2.84 5.50 5.02 3.65 3.29
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