Financial Highlights Report

Financial Highlights
2020 FQ1 YTD
3/31/2020
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 14,411,400 14,644,200 13,300,200 12,213,255 9,063,895
Total Net Loans 8,883,300 8,958,600 8,430,700 7,542,208 5,402,330
Total Deposits 11,565,100 11,663,500 10,680,700 9,934,871 7,376,110
Equity Attributable to Parent Company 1,956,100 2,013,900 1,693,900 1,427,616 982,593
Total Equity 1,956,100 2,013,900 1,693,900 1,427,616 982,593
Profitability (%)
Net Income($000) 29,300 181,000 160,200 106,521 95,636
Net Income Attributable to Parent($000) 29,300 181,000 160,200 106,521 95,636
ROAA 0.81 1.28 1.27 0.98 1.10
Core ROAA 0.87 1.45 1.40 1.13 1.11
ROAE 5.88 9.53 10.50 8.57 9.93
ROATCE 9.85 15.62 17.28 13.33 13.12
Core ROAE 6.34 10.85 11.56 9.89 10.05
Net Interest Margin 3.87 3.99 3.88 3.64 3.57
Reported: Net Interest Margin 3.90 3.99 3.88 3.64 3.57
Efficiency Ratio 58.52 56.63 58.87 59.08 61.22
Noninterest Inc/ Operating Rev 26.20 23.23 24.90 28.28 32.06
Balance Sheet Ratios (%)
Loans/ Deposits 77.11 76.57 79.31 76.17 73.44
Securities/ Assets 22.13 21.41 20.62 22.53 23.84
Total Equity/ Total Assets 13.57 13.75 12.74 11.69 10.84
Tangible Equity/ Tangible Assets 9.10 9.35 8.39 7.75 8.60
Tang Common Equity/ Tang Assets 9.10 9.35 8.39 7.75 8.60
Asset Quality (%)
NPAs/ Assets 0.45 0.39 0.56 0.75 1.16
NPA Excl Restructured/ Assets 0.41 0.35 0.52 0.65 0.91
NPAs & 90+ PD/ Assets 0.53 0.43 0.59 0.78 1.20
NPAs/ Loans & REO 0.71 0.63 0.87 1.21 1.92
Nonaccrual & 90+ & OREO/ Assets 0.50 0.39 0.54 0.68 0.96
NPAs & 90+ PD/ Loans & REO 0.85 0.69 0.92 1.25 1.98
NPA & Loans 90+/ Tangible Common Equity + LLR 5.55 4.55 6.88 9.74 13.03
NCOs/ Avg Loans 0.14 0.16 0.10 0.23 0.20
Loan Loss Reserves/ Gross Loans 1.43 0.81 0.86 0.95 1.39
Reserves/ NPAs 200.66 128.38 98.28 78.30 72.48
Loan Loss Provision/ NCO NM 100 111.69 73.20 94.31
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,283,635 1,338,248 1,127,804 962,388 814,273
Tier 1 Capital($000) 1,367,686 1,422,282 1,212,037 1,040,342 894,273
Tier 2 Capital($000) 92,564 72,987 72,962 72,147 80,215
Total Capital($000) 1,460,250 1,495,269 1,284,999 1,112,489 974,488
Total Risk-weighted Assets($000) 10,684,802 10,605,651 9,889,556 8,718,906 6,438,902
Tier 1 Common Capital (CET1) Ratio(%) 12.01 12.62 11.40 11.04 12.65
Tier 1 Ratio(%) 12.80 13.41 12.26 11.93 13.89
Total Capital Ratio(%) 13.67 14.10 12.99 12.76 15.13
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.90 10.13 9.47 8.86 10.11
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 64,552,581 65,246,339 60,623,247 56,465,559 44,926,176
Avg Diluted Shares(actual) 64,937,107 63,884,868 58,217,123 51,903,209 44,910,396
Basic Book Value per Share 30.30 30.87 27.94 25.28 21.87
Book Value per Share, As Reported 30.30 30.87 27.94 25.28 21.87
Basic Tangible Book Value per Share 19.32 19.96 17.52 16.04 16.92
Tangible Book Value per Share, As Reported 19.32 19.96 17.52 16.04 16.92
Common Dividends Declared per Share 0.94 1.24 1.12 0.96 0.88
EPS after Extra 0.45 2.83 2.75 2.05 2.13
EPS after Extra Growth(%) (34.80) 2.90 34.10 (3.80) 12.10
Core EPS 0.49 3.22 3.03 2.37 2.16
Core EPS Growth(%) (35.70) 6.40 27.80 9.80 6.20
Diluted EPS before Amortization 0.49 3.01 2.89 2.15 2.21
Pre-Provision Earnings per Share 0.81 3.33 3.08 2.39 2.22
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.