Financial Highlights Report

Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 13,355,799 12,213,255 9,063,895 8,728,196 8,609,936
Total Net Loans 8,444,328 7,542,208 5,402,330 5,169,379 4,823,243
Total Deposits 10,845,561 9,934,871 7,376,110 7,088,937 7,006,212
Equity Attributable to Parent Company 1,654,432 1,427,616 982,593 950,493 908,924
Total Equity 1,654,432 1,427,616 982,593 950,493 908,924
Profitability (%)
Net Income($000) 119,838 106,521 95,636 86,795 84,401
Net Income Attributable to Parent($000) 119,838 106,521 95,636 86,795 84,401
ROAA 1.29 0.98 1.10 1.02 1.06
Core ROAA 1.39 1.13 1.11 1.09 1.13
ROAE 10.77 8.57 9.93 9.37 9.86
ROATCE 17.02 13.05 13.12 12.54 13.08
Core ROAE 11.54 9.89 10.05 10.01 10.48
Net Interest Margin 3.83 3.64 3.57 3.46 3.49
Reported: Net Interest Margin 3.84 3.64 3.57 3.46 3.49
Efficiency Ratio 58.97 59.08 61.22 61.67 62.72
Noninterest Inc/ Operating Rev 25.81 28.28 32.06 31.31 30.62
Balance Sheet Ratios (%)
Loans/ Deposits 78.19 76.17 73.44 73.26 69.32
Securities/ Assets 19.77 22.53 23.84 23.97 26.97
Total Equity/ Total Assets 12.39 11.69 10.84 10.89 10.56
Tangible Equity/ Tangible Assets 8.23 7.97 8.60 8.64 8.22
Tang Common Equity/ Tang Assets 8.23 7.97 8.60 8.64 8.22
Asset Quality (%)
NPAs/ Assets 0.63 0.75 1.16 1.01 1.12
NPA Excl Restructured/ Assets 0.59 0.65 0.91 0.83 0.88
NPAs & 90+ PD/ Assets 0.67 0.78 1.20 1.07 1.15
NPAs/ Loans & REO 0.99 1.21 1.92 1.68 1.97
Nonaccrual & 90+ & OREO/ Assets 0.63 0.68 0.96 0.90 0.91
NPAs & 90+ PD/ Loans & REO 1.05 1.25 1.98 1.78 2.02
NPA & Loans 90+/ Tangible Common Equity + LLR 7.99 9.47 13.03 11.53 12.99
NCOs/ Avg Loans 0.09 0.23 0.20 0.08 0.10
Loan Loss Reserves/ Gross Loans 0.86 0.95 1.39 1.46 1.52
Reserves/ NPAs 87.18 78.30 72.48 87.23 76.74
Loan Loss Provision/ NCO 127.95 72.72 94.31 162.24 (146.60)
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,096,840 962,388 814,273 781,339 727,229
Tier 1 Capital($000) 1,181,228 1,040,342 894,273 861,339 807,229
Tier 2 Capital($000) 73,606 72,147 80,215 84,817 NA
Total Capital($000) 1,254,834 1,112,489 974,488 946,156 897,769
Total Risk-weighted Assets($000) 9,834,285 8,718,906 6,438,902 6,158,646 5,558,564
Tier 1 Common Capital (CET1) Ratio(%) 11.15 11.04 12.65 12.69 13.08
Tier 1 Ratio(%) 12.01 11.93 13.89 13.99 14.52
Total Capital Ratio(%) 12.76 12.76 15.13 15.36 16.15
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.73 8.86 10.11 10.12 9.61
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 60,609,549 56,465,559 44,926,176 45,428,225 45,788,415
Avg Diluted Shares(actual) 57,330,027 51,903,209 44,910,396 45,646,418 45,210,561
Basic Book Value per Share 27.30 25.28 21.87 20.92 19.85
Book Value per Share, As Reported 27.30 25.28 21.87 20.92 19.85
Basic Tangible Book Value per Share 17.30 16.54 16.92 16.19 15.07
Tangible Book Value per Share, As Reported NA 16.04 16.92 16.19 15.07
Common Dividends Declared per Share 0.84 0.96 0.88 0.80 0.64
EPS after Extra 2.09 2.05 2.13 1.90 1.87
EPS after Extra Growth(%) 44.10 (3.80) 12.10 1.60 (4.60)
Core EPS 2.24 2.37 2.16 2.03 1.99
Core EPS Growth(%) 27.50 9.80 6.20 2.10 0.30
Diluted EPS before Amortization 2.19 2.15 2.21 1.97 1.92
Pre-Provision Earnings per Share 2.30 2.39 2.22 2.03 1.86
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.