Financial Highlights

Financial Highlights
2018 FY
12/31/2018
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 19,728,435 17,518,292 14,860,237 11,991,527 11,646,051
Total Net Loans 12,203,342 11,085,670 9,051,386 6,909,982 6,483,842
Total Deposits 14,349,949 12,605,764 10,743,253 8,400,860 8,490,664
Equity Attributable to Parent Company 2,689,570 2,154,397 1,814,417 1,491,170 1,465,764
Total Equity 2,689,570 2,154,397 1,814,417 1,491,170 1,465,764
Profitability (%)
Net Income($000) 190,830 95,725 134,264 116,716 103,667
Net Income Attributable to Parent($000) 190,830 95,725 134,264 116,716 103,667
ROAA 1.07 0.63 0.98 0.98 0.99
Core ROAA 1.30 1.03 0.91 1 1.09
ROAE 8.42 4.98 7.84 7.88 7.91
ROATCE 14.85 8.54 13.62 14.44 12.80
Core ROAE 10.23 8.18 7.23 8.02 8.67
Net Interest Margin 3.54 3.48 3.58 3.72 4.22
Reported: Net Interest Margin 3.54 3.48 3.58 3.72 4.22
Efficiency Ratio 61.54 63.90 66.47 67.61 67.10
Noninterest Inc/ Operating Rev 24.73 28.57 32.33 34.93 29.83
Balance Sheet Ratios (%)
Loans/ Deposits 85.32 88.20 83.87 82.71 74.41
Securities/ Assets 24.22 22.88 24.56 28.20 30.47
Total Equity/ Total Assets 13.63 12.30 12.21 12.44 12.59
Tangible Equity/ Tangible Assets 8.47 7.65 7.92 7.66 8.09
Tang Common Equity/ Tang Assets 8.47 7.65 7.92 7.66 8.09
Asset Quality (%)
NPAs/ Assets 0.90 0.88 1.11 1.22 1.25
NPA Excl Restructured/ Assets 0.81 0.76 1.01 1.11 1.14
NPAs & 90+ PD/ Assets 0.91 0.88 1.11 1.23 1.25
NPAs/ Loans & REO 1.45 1.38 1.80 2.14 2.28
Nonaccrual & 90+ & OREO/ Assets 0.82 0.77 1.01 1.11 1.15
NPAs & 90+ PD/ Loans & REO 1.46 1.38 1.81 2.15 2.29
NPA & Loans 90+/ Tangible Common Equity + LLR 11 11.65 14.05 15.99 15.48
NCOs/ Avg Loans 0.02 0.03 0.04 (0.02) 0.04
Loan Loss Reserves/ Gross Loans 0.45 0.45 0.55 0.75 0.73
Reserves/ NPAs 31.15 32.86 30.31 35.59 32.84
Loan Loss Provision/ NCO 369.35 123.13 28.36 NM 129.42
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,617,936 1,298,326 1,162,817 934,497 899,649
Tier 1 Capital($000) 1,617,936 1,298,326 1,176,849 968,772 944,649
Tier 2 Capital($000) 130,295 125,797 53,029 55,813 NA
Total Capital($000) 1,748,231 1,424,123 1,229,878 1,024,586 996,929
Total Risk-weighted Assets($000) 14,248,562 12,491,430 10,099,613 7,718,065 7,334,027
Tier 1 Common Capital (CET1) Ratio(%) 11.36 10.39 11.51 12.11 12.27
Tier 1 Ratio(%) 11.36 10.39 11.65 12.55 12.88
Total Capital Ratio(%) 12.27 11.40 12.18 13.28 13.59
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.17 8.28 8.43 8.54 8.79
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 175,141,000 152,040,039 135,158,697 114,296,822 116,847,299
Avg Diluted Shares(actual) 156,539,000 138,513,000 128,301,000 116,255,000 108,365,000
Basic Book Value per Share 15.36 14.17 13.42 13.05 12.54
Book Value per Share, As Reported 15.36 14.17 13.42 13.05 12.54
Basic Tangible Book Value per Share 9 8.37 8.30 7.62 7.67
Tangible Book Value per Share, As Reported 9 8.37 8.30 7.62 7.67
Common Dividends Declared per Share 0.52 0.52 0.52 0.48 0.44
EPS after Extra 1.22 0.69 1.05 1 0.95
EPS after Extra Growth(%) 76.80 (34.30) 5 5.30 (5)
Core EPS 1.48 1.13 0.97 1.02 1.04
Core EPS Growth(%) 30.70 17.10 (4.80) (2.30) (4.30)
Diluted EPS before Amortization 1.31 0.78 1.15 1.10 1.03
Pre-Provision Earnings per Share 1.28 0.91 0.88 0.88 0.90
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