Financial Highlights

Financial Highlights
2019 FY
12/31/2019
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 20,411,667 19,728,435 17,518,292 14,860,237 11,991,527
Total Net Loans 12,109,803 12,203,342 11,085,670 9,051,386 6,909,982
Total Deposits 14,553,397 14,349,949 12,605,764 10,743,253 8,400,860
Equity Attributable to Parent Company 2,852,453 2,689,570 2,154,397 1,814,417 1,491,170
Total Equity 2,852,453 2,689,570 2,154,397 1,814,417 1,491,170
Profitability (%)
Net Income($000) 238,206 190,830 95,725 134,264 116,716
Net Income Attributable to Parent($000) 238,206 190,830 95,725 134,264 116,716
ROAA 1.19 1.07 0.63 0.98 0.98
Core ROAA 1.33 1.30 1.03 0.91 1
ROAE 8.57 8.42 4.98 7.84 7.88
ROATCE 15.01 14.85 8.54 13.62 14.44
Core ROAE 9.56 10.23 8.18 7.23 8.02
Net Interest Margin 3.55 3.54 3.48 3.58 3.72
Reported: Net Interest Margin 3.55 3.54 3.48 3.58 3.72
Efficiency Ratio 57.87 61.54 63.90 66.47 67.61
Noninterest Inc/ Operating Rev 24.62 24.73 28.57 32.33 34.93
Balance Sheet Ratios (%)
Loans/ Deposits 83.26 85.32 88.20 83.87 82.71
Securities/ Assets 27.23 24.23 22.88 24.56 28.20
Total Equity/ Total Assets 13.97 13.63 12.30 12.21 12.44
Tangible Equity/ Tangible Assets 9.09 8.47 7.65 7.92 7.66
Tang Common Equity/ Tang Assets 9.09 8.47 7.65 7.92 7.66
Asset Quality (%)
NPAs/ Assets 0.72 0.90 0.88 1.11 1.22
NPA Excl Restructured/ Assets 0.63 0.81 0.76 1.01 1.11
NPAs & 90+ PD/ Assets 0.72 0.91 0.88 1.11 1.23
NPAs/ Loans & REO 1.21 1.45 1.38 1.80 2.14
Nonaccrual & 90+ & OREO/ Assets 0.63 0.82 0.77 1.01 1.11
NPAs & 90+ PD/ Loans & REO 1.21 1.46 1.38 1.81 2.15
NPA & Loans 90+/ Tangible Common Equity + LLR 8.15 11 11.65 14.05 15.99
NCOs/ Avg Loans 0.05 0.02 0.03 0.04 (0.02)
Loan Loss Reserves/ Gross Loans 0.45 0.45 0.45 0.55 0.75
Reserves/ NPAs 37.18 31.15 32.86 30.31 35.59
Loan Loss Provision/ NCO 84.93 369.35 123.13 28.36 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,706,727 1,617,936 1,298,326 1,162,817 934,497
Tier 1 Capital($000) 1,706,727 1,617,936 1,298,326 1,176,849 968,772
Tier 2 Capital($000) 121,585 130,295 125,797 53,029 55,813
Total Capital($000) 1,828,312 1,748,231 1,424,123 1,229,878 1,024,586
Total Risk-weighted Assets($000) 14,073,929 14,248,562 12,491,430 10,099,613 7,718,065
Tier 1 Common Capital (CET1) Ratio(%) 12.13 11.36 10.39 11.51 12.11
Tier 1 Ratio(%) 12.13 11.36 10.39 11.65 12.55
Total Capital Ratio(%) 12.99 12.27 11.40 12.18 13.28
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.88 9.17 8.28 8.43 8.54
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 169,616,015 175,140,749 152,040,039 135,158,697 114,296,822
Avg Diluted Shares(actual) 172,687,000 156,539,000 138,513,000 128,301,000 116,255,000
Basic Book Value per Share 16.82 15.36 14.17 13.42 13.05
Book Value per Share, As Reported 16.82 15.36 14.17 13.42 13.05
Basic Tangible Book Value per Share 10.35 9 8.37 8.30 7.62
Tangible Book Value per Share, As Reported 10.35 9 8.37 8.30 7.62
Common Dividends Declared per Share 0.52 0.52 0.52 0.52 0.48
EPS after Extra 1.38 1.22 0.69 1.05 1
EPS after Extra Growth(%) 13.10 76.80 (34.30) 5 5.30
Core EPS 1.54 1.48 1.13 0.97 1.02
Core EPS Growth(%) 3.90 30.70 17.10 (4.80) (2.30)
Diluted EPS before Amortization 1.48 1.31 0.78 1.15 1.10
Pre-Provision Earnings per Share 1.43 1.28 0.91 0.88 0.88
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