Financial Highlights Report

Financial Highlights
2019 FQ2 YTD
6/30/2019
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 14,414,600 13,300,200 12,213,255 9,063,895 8,728,196
Total Net Loans 8,985,100 8,430,700 7,542,208 5,402,330 5,169,379
Total Deposits 11,489,900 10,680,700 9,934,871 7,376,110 7,088,937
Equity Attributable to Parent Company 1,948,600 1,693,900 1,427,616 982,593 950,493
Total Equity 1,948,600 1,693,900 1,427,616 982,593 950,493
Profitability (%)
Net Income($000) 79,500 160,200 106,521 95,636 86,795
Net Income Attributable to Parent($000) 79,500 160,200 106,521 95,636 86,795
ROAA 1.16 1.27 0.98 1.10 1.02
Core ROAA 1.40 1.40 1.13 1.11 1.09
ROAE 8.78 10.50 8.57 9.93 9.37
ROATCE 14.44 17.28 13.33 13.12 12.54
Core ROAE 10.64 11.56 9.89 10.05 10.01
Net Interest Margin 4.03 3.88 3.64 3.57 3.46
Reported: Net Interest Margin 4.06 3.88 3.64 3.57 3.46
Efficiency Ratio 58.25 58.87 59.08 61.22 61.67
Noninterest Inc/ Operating Rev 23.45 24.90 28.28 32.06 31.31
Balance Sheet Ratios (%)
Loans/ Deposits 78.29 79.31 76.17 73.44 73.26
Securities/ Assets NA 20.62 22.53 23.84 23.97
Total Equity/ Total Assets 13.52 12.74 11.69 10.84 10.89
Tangible Equity/ Tangible Assets 8.98 8.39 7.75 8.60 8.64
Tang Common Equity/ Tang Assets 8.98 8.39 7.75 8.60 8.64
Asset Quality (%)
NPAs/ Assets 0.52 0.56 0.75 1.16 1.01
NPA Excl Restructured/ Assets 0.48 0.52 0.65 0.91 0.83
NPAs & 90+ PD/ Assets 0.55 0.59 0.78 1.20 1.07
NPAs/ Loans & REO 0.82 0.87 1.21 1.92 1.68
Nonaccrual & 90+ & OREO/ Assets 0.51 0.54 0.68 0.96 0.90
NPAs & 90+ PD/ Loans & REO 0.87 0.92 1.25 1.98 1.78
NPA & Loans 90+/ Tangible Common Equity + LLR 6.10 6.88 9.74 13.03 11.53
NCOs/ Avg Loans 0.14 0.10 0.23 0.20 0.08
Loan Loss Reserves/ Gross Loans 0.82 0.86 0.95 1.39 1.46
Reserves/ NPAs 99.87 98.28 78.30 72.48 87.23
Loan Loss Provision/ NCO 119.05 111.69 73.20 94.31 162.24
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,262,300 1,127,804 962,388 814,273 781,339
Tier 1 Capital($000) 1,346,300 1,212,037 1,040,342 894,273 861,339
Tier 2 Capital($000) 74,200 72,962 72,147 80,215 84,817
Total Capital($000) 1,420,500 1,284,999 1,112,489 974,488 946,156
Total Risk-weighted Assets($000) 10,572,027 9,889,556 8,718,906 6,438,902 6,158,646
Tier 1 Common Capital (CET1) Ratio(%) 11.94 11.40 11.04 12.65 12.69
Tier 1 Ratio(%) 12.73 12.26 11.93 13.89 13.99
Total Capital Ratio(%) 13.43 12.99 12.76 15.13 15.36
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.94 9.47 8.86 10.11 10.12
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 65,228,818 60,623,247 56,465,559 44,926,176 45,428,225
Avg Diluted Shares(actual) 62,668,391 58,217,123 51,903,209 44,910,396 45,646,418
Basic Book Value per Share 29.87 27.94 25.28 21.87 20.92
Book Value per Share, As Reported 29.87 27.94 25.28 21.87 20.92
Basic Tangible Book Value per Share 18.84 17.52 16.04 16.92 16.19
Tangible Book Value per Share, As Reported 18.84 17.52 16.04 16.92 16.19
Common Dividends Declared per Share 0.62 1.12 0.96 0.88 0.80
EPS after Extra 1.27 2.75 2.05 2.13 1.90
EPS after Extra Growth(%) (8) 34.10 (3.80) 12.10 1.60
Core EPS 1.54 3.03 2.37 2.16 2.03
Core EPS Growth(%) 5.40 27.80 9.80 6.20 2.10
Diluted EPS before Amortization 1.35 2.89 2.15 2.21 1.97
Pre-Provision Earnings per Share 1.58 3.08 2.39 2.22 2.03
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.