Financial Highlights

Financial Highlights
2020 FQ2 YTD
6/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 22,102,188 20,411,667 19,728,435 17,518,292 14,860,237
Total Net Loans 13,609,814 12,109,803 12,203,342 11,085,670 9,051,386
Total Deposits 16,319,446 14,553,397 14,349,949 12,605,764 10,743,253
Equity Attributable to Parent Company 2,864,255 2,852,453 2,689,570 2,154,397 1,814,417
Total Equity 2,864,255 2,852,453 2,689,570 2,154,397 1,814,417
Profitability (%)
Net Income($000) 74,345 238,206 190,830 95,725 134,264
Net Income Attributable to Parent($000) 74,345 238,206 190,830 95,725 134,264
ROAA 0.71 1.19 1.07 0.63 0.98
Core ROAA 1.04 1.33 1.30 1.03 0.91
ROAE 5.24 8.57 8.42 4.98 7.84
ROATCE 9.18 15.01 14.85 8.54 13.62
Core ROAE 7.67 9.56 10.23 8.18 7.23
Net Interest Margin 3.22 3.55 3.54 3.48 3.58
Reported: Net Interest Margin 3.22 3.55 3.54 3.48 3.58
Efficiency Ratio 56.47 57.87 61.54 63.90 66.47
Noninterest Inc/ Operating Rev 27.61 24.62 24.73 28.57 32.33
Balance Sheet Ratios (%)
Loans/ Deposits 83.43 83.26 85.32 88.20 83.87
Securities/ Assets 26.03 27.67 24.62 22.88 24.56
Total Equity/ Total Assets 12.96 13.97 13.63 12.30 12.21
Tangible Equity/ Tangible Assets 8.45 9.09 8.47 7.65 7.92
Tang Common Equity/ Tang Assets 8.45 9.09 8.47 7.65 7.92
Asset Quality (%)
NPAs/ Assets 0.65 0.72 0.90 0.88 1.11
NPA Excl Restructured/ Assets 0.58 0.63 0.81 0.76 1.01
NPAs & 90+ PD/ Assets 0.65 0.72 0.91 0.88 1.11
NPAs/ Loans & REO 1.05 1.21 1.45 1.38 1.80
Nonaccrual & 90+ & OREO/ Assets 0.58 0.63 0.82 0.77 1.01
NPAs & 90+ PD/ Loans & REO 1.05 1.21 1.46 1.38 1.81
NPA & Loans 90+/ Tangible Common Equity + LLR 7.60 8.15 11 11.65 14.05
NCOs/ Avg Loans 0.11 0.05 0.02 0.03 0.04
Loan Loss Reserves/ Gross Loans 0.93 0.45 0.45 0.45 0.55
Reserves/ NPAs 89.22 37.18 31.15 32.86 30.31
Loan Loss Provision/ NCO 558.87 84.93 369.35 123.13 28.36
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,686,714 1,706,727 1,617,936 1,298,326 1,162,817
Tier 1 Capital($000) 1,686,714 1,706,727 1,617,936 1,298,326 1,176,849
Tier 2 Capital($000) 141,820 121,585 130,295 125,797 53,029
Total Capital($000) 1,828,534 1,828,312 1,748,231 1,424,123 1,229,878
Total Risk-weighted Assets($000) 14,416,184 14,073,929 14,248,562 12,491,430 10,099,613
Tier 1 Common Capital (CET1) Ratio(%) 11.70 12.13 11.36 10.39 11.51
Tier 1 Ratio(%) 11.70 12.13 11.36 10.39 11.65
Total Capital Ratio(%) 12.68 12.99 12.27 11.40 12.18
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.12 8.88 9.17 8.28 8.43
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 165,092,933 169,616,015 175,140,749 152,040,039 135,158,697
Avg Diluted Shares(actual) 166,848,000 172,687,000 156,539,000 138,513,000 128,301,000
Basic Book Value per Share 17.35 16.82 15.36 14.17 13.42
Book Value per Share, As Reported 17.35 16.82 15.36 14.17 13.42
Basic Tangible Book Value per Share 10.75 10.35 9 8.37 8.30
Tangible Book Value per Share, As Reported 10.75 10.35 9 8.37 8.30
Common Dividends Declared per Share 0.28 0.52 0.52 0.52 0.52
EPS after Extra 0.45 1.38 1.22 0.69 1.05
EPS after Extra Growth(%) (33.80) 13.10 76.80 (34.30) 5
Core EPS 0.66 1.54 1.48 1.13 0.97
Core EPS Growth(%) (11.60) 3.90 30.70 17.10 (4.80)
Diluted EPS before Amortization 0.49 1.48 1.31 0.78 1.15
Pre-Provision Earnings per Share 0.78 1.43 1.28 0.91 0.88
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