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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
Interest Income 652,932 407,290 307,914 210,049 174,027
Interest Expense 148,175 81,038 42,436 26,243 19,929
Net Interest Income 504,757 326,252 265,478 183,806 154,098
FTE Net Interest Income 508,498 328,090 268,235 185,429 NA
Provision for Loan Losses 14,805 9,860 8,265 9,440 9,231
Trading Account Income 0 0 0 0 0
Foreign Exchange Income 0 0 0 0 0
Trust Revenue 9,330 0 0 0 0
Service Charges on Deposits 24,500 14,224 12,955 7,222 6,898
Gain on Sale of Loans (FAS 140) NA 12,516 6,652 0 116
Loan Fees & Charges NA NA NA NA NA
Bank-owned Life Insurance Revenue 5,525 3,170 2,748 1,348 1,077
Insurance Revenue NA 41 0 0 0
Investment Banking & Brokerage NA 563 903 0 0
Other Noninterest Income 34,803 12,022 15,148 10,967 7,613
Total Noninterest Income 74,158 42,536 38,406 19,537 15,704
Realized Gain on Securities 275 (581) 124 4 134
Nonrecurring Revenue 2,868 0 2,917 (43) 0
Compensation & Benefits 153,384 108,896 91,380 62,583 58,007
Occupancy & Equipment 37,654 24,786 22,079 16,101 16,058
Marketing and Promotion Expense 2,527 1,907 1,452 1,107 1,038
Professional Fees 7,936 4,556 4,564 3,212 3,191
Tech & Communications Expense 22,248 14,107 11,457 6,868 5,603
Amrt of Intang & Goodwill Impair 12,880 5,739 4,639 1,964 1,555
Foreclosure & Repo 1,344 134 1,876 254 (86)
Other Expense 40,272 29,267 22,267 15,948 13,588
Total Noninterest Expense 278,245 189,392 159,714 108,037 98,954
Nonrecurring Expense 42,744 8,958 17,259 5,696 3,954
Pre-Provision Net Revenue 304,411 181,234 146,927 96,929 70,848
Non-FTE Pre-Provision Net Revenue 300,670 179,396 144,170 95,306 70,848
Net Income before Taxes 246,264 159,997 121,687 80,131 57,797
Provision for Taxes 53,528 31,738 45,175 26,591 19,011
Effective Tax Rate(%) 21.74 19.84 37.12 33.18 32.89
Min Int & Oth after-tax Items 0 0 0 0 0
Extraordinary Items 0 0 0 0 0
Net Income 192,736 128,259 76,512 53,540 38,786
Net Income Attributable to Noncontrolling Int 0 0 0 0 0
Net Income Attributable to Parent 192,736 128,259 76,512 53,540 38,786
Preferred Dividends 0 0 0 8 240
Other Preferred Dividends after Net Income 0 0 0 0 0
Other Changes to Net Income NA (1,115) (723) (877) (772)
Net Income Avail to Common 192,736 127,144 75,789 52,655 37,774
Net Income for Diluted EPS NA 127,144 75,789 52,655 37,774
EPS after Extra($) 4.46 4.33 2.97 2.88 2.21
EPS after Extra Growth(%) 3 45.80 3.10 30.30 19.50
Pre-Provision Earnings per Share($) 5.50 4.79 3.64 3.34 2.64
Comprehensive Income
Net Income 192,736 128,259 76,512 53,540 38,786
Preferred Dividend Adjustment to Comprehensive Inc 0 0 0 0 0
Total Other Comprehensive Income 27,615 (7,585) 613 (3,482) (21)
Comprehensive Income 220,351 120,674 77,125 50,058 38,765
Interest Income Earned On:
Interest Earned on Loans NA NA NA NA 169,504
Int Inc: Securities NA NA NA NA 3,951
Int Inc: Other Earn Assets NA NA NA NA 572
Int Inc: Secs & Oth Earn Assets NA NA NA NA 4,523
Int Inc: Total Earn Assets 656,673 409,128 310,671 211,672 174,027
Interest Expense Incurred On:
Int Exp: CDs 37,041 14,428 8,665 6,134 5,283
Int Exp: Other Deposits 86,343 46,339 19,853 9,941 6,741
Int Exp: Total Deposits 123,384 60,767 28,518 16,075 12,024
Int Exp: Debt 24,791 20,271 13,918 10,168 7,905
Int Exp: Total Int-bearing Liab 148,175 81,038 42,436 26,243 19,929
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.