Financial Highlights

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 20,145,285 19,728,435 17,518,292 14,860,237 11,991,527
Total Net Loans 12,028,190 12,203,342 11,085,670 9,051,386 6,909,982
Total Deposits 14,363,101 14,349,949 12,605,764 10,743,253 8,400,860
Equity Attributable to Parent Company 2,803,139 2,689,570 2,154,397 1,814,417 1,491,170
Total Equity 2,803,139 2,689,570 2,154,397 1,814,417 1,491,170
Profitability (%)
Net Income($000) 119,240 190,830 95,725 134,264 116,716
Net Income Attributable to Parent($000) 119,240 190,830 95,725 134,264 116,716
ROAA 1.20 1.07 0.63 0.98 0.98
Core ROAA 1.30 1.30 1.03 0.91 1
ROAE 8.72 8.42 4.98 7.84 7.88
ROATCE 15.51 14.85 8.54 13.62 14.44
Core ROAE 9.46 10.23 8.18 7.23 8.02
Net Interest Margin 3.59 3.54 3.48 3.58 3.72
Reported: Net Interest Margin 3.59 3.54 3.48 3.58 3.72
Efficiency Ratio 58.50 61.54 63.90 66.47 67.61
Noninterest Inc/ Operating Rev 24.21 24.73 28.57 32.33 34.93
Balance Sheet Ratios (%)
Loans/ Deposits 83.87 85.32 88.20 83.87 82.71
Securities/ Assets 26.33 24.23 22.88 24.56 28.20
Total Equity/ Total Assets 13.91 13.63 12.30 12.21 12.44
Tangible Equity/ Tangible Assets 8.92 8.47 7.65 7.92 7.66
Tang Common Equity/ Tang Assets 8.92 8.47 7.65 7.92 7.66
Asset Quality (%)
NPAs/ Assets 0.82 0.90 0.88 1.11 1.22
NPA Excl Restructured/ Assets 0.72 0.81 0.76 1.01 1.11
NPAs & 90+ PD/ Assets 0.82 0.91 0.88 1.11 1.23
NPAs/ Loans & REO 1.36 1.45 1.38 1.80 2.14
Nonaccrual & 90+ & OREO/ Assets 0.72 0.82 0.77 1.01 1.11
NPAs & 90+ PD/ Loans & REO 1.36 1.46 1.38 1.81 2.15
NPA & Loans 90+/ Tangible Common Equity + LLR 9.38 11 11.65 14.05 15.99
NCOs/ Avg Loans 0.02 0.02 0.03 0.04 (0.02)
Loan Loss Reserves/ Gross Loans 0.47 0.45 0.45 0.55 0.75
Reserves/ NPAs 34.27 31.15 32.86 30.31 35.59
Loan Loss Provision/ NCO 168.40 369.35 123.13 28.36 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,664,277 1,617,936 1,298,326 1,162,817 934,497
Tier 1 Capital($000) 1,664,277 1,617,936 1,298,326 1,176,849 968,772
Tier 2 Capital($000) 130,659 130,295 125,797 53,029 55,813
Total Capital($000) 1,794,935 1,748,231 1,424,123 1,229,878 1,024,586
Total Risk-weighted Assets($000) 13,996,770 14,248,562 12,491,430 10,099,613 7,718,065
Tier 1 Common Capital (CET1) Ratio(%) 11.89 11.36 10.39 11.51 12.11
Tier 1 Ratio(%) 11.89 11.36 10.39 11.65 12.55
Total Capital Ratio(%) 12.82 12.27 11.40 12.18 13.28
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.82 9.17 8.28 8.43 8.54
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 172,230,620 175,140,749 152,040,039 135,158,697 114,296,822
Avg Diluted Shares(actual) 174,531,000 156,539,000 138,513,000 128,301,000 116,255,000
Basic Book Value per Share 16.28 15.36 14.17 13.42 13.05
Book Value per Share, As Reported 16.28 15.36 14.17 13.42 13.05
Basic Tangible Book Value per Share 9.86 9 8.37 8.30 7.62
Tangible Book Value per Share, As Reported 9.86 9 8.37 8.30 7.62
Common Dividends Declared per Share 0.26 0.52 0.52 0.52 0.48
EPS after Extra 0.68 1.22 0.69 1.05 1
EPS after Extra Growth(%) 13.30 76.80 (34.30) 5 5.30
Core EPS 0.74 1.48 1.13 0.97 1.02
Core EPS Growth(%) 2 30.70 17.10 (4.80) (2.30)
Diluted EPS before Amortization 0.73 1.31 0.78 1.15 1.10
Pre-Provision Earnings per Share 0.69 1.28 0.91 0.88 0.88
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