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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 22,491,765 21,498,341 19,280,873 17,355,179 9,188,797
Total Net Loans 15,778,955 15,244,825 14,115,513 12,994,341 7,208,146
Total Deposits 15,879,436 15,593,282 13,642,803 12,873,122 7,456,767
Equity Attributable to Parent Company 2,953,535 2,836,260 2,668,749 2,581,526 1,015,974
Total Equity 2,953,535 2,836,260 2,668,749 2,581,526 1,015,974
Profitability (%)
Net Income($000) 132,536 284,020 149,523 108,032 86,830
Net Income Attributable to Parent($000) 132,536 284,020 149,523 108,032 86,830
ROAA 1.22 1.41 0.81 0.90 1.02
Core ROAA 1.27 1.46 1.24 1.22 1.11
ROAE 9.18 10.36 5.69 6.98 9.44
ROATCE 15.60 18.33 10.54 12.25 13.85
Core ROAE 9.57 10.77 8.73 9.51 10.24
Net Interest Margin 3.37 3.53 3.48 3.60 3.58
Reported: Net Interest Margin 3.39 3.53 3.48 3.60 3.58
Efficiency Ratio 53.41 51.42 52.58 54.60 59.44
Noninterest Inc/ Operating Rev 15.20 19 21.36 23.16 22.45
Balance Sheet Ratios (%)
Loans/ Deposits 99.89 97.93 103.76 100.91 97.51
Securities/ Assets 18.43 17.86 14.63 11.27 11.98
Total Equity/ Total Assets 13.13 13.19 13.84 14.87 11.06
Tangible Equity/ Tangible Assets 8.41 8.23 8.28 8.70 7.91
Tang Common Equity/ Tang Assets 8.41 8.23 8.28 8.70 7.91
Asset Quality (%)
NPAs/ Assets 0.68 0.64 0.63 0.71 1.52
NPA Excl Restructured/ Assets 0.47 0.43 0.37 0.35 0.79
NPAs & 90+ PD/ Assets 0.68 0.65 0.63 0.72 1.54
NPAs/ Loans & REO 0.97 0.89 0.85 0.95 1.91
Nonaccrual & 90+ & OREO/ Assets 0.47 0.43 0.38 0.36 0.81
NPAs & 90+ PD/ Loans & REO 0.97 0.90 0.86 0.96 1.94
NPA & Loans 90+/ Tangible Common Equity + LLR 8.06 7.78 7.67 8.43 18.28
NCOs/ Avg Loans 0.05 0.09 0.07 0.11 0.13
Loan Loss Reserves/ Gross Loans 0.73 0.72 0.65 0.60 1.01
Reserves/ NPAs 75.39 80.12 76.14 63.09 52.63
Loan Loss Provision/ NCO 267.22 243.03 240.68 149.72 73.40
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,813,446 1,723,004 1,498,463 1,441,209 753,815
Tier 1 Capital($000) 1,813,446 1,723,004 1,498,463 1,441,209 767,929
Tier 2 Capital($000) 137,998 132,918 115,583 101,809 73,328
Total Capital($000) 1,951,444 1,855,922 1,614,046 1,543,018 841,257
Total Risk-weighted Assets($000) 17,024,072 16,104,533 14,738,454 13,417,888 7,143,859
Tier 1 Common Capital (CET1) Ratio(%) 10.65 10.70 10.17 10.74 10.55
Tier 1 Ratio(%) 10.65 10.70 10.17 10.74 10.75
Total Capital Ratio(%) 11.46 11.52 10.95 11.50 11.78
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.70 8.68 8.31 8.96 8.65
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 71,558,755 71,460,119 71,207,114 70,599,133 38,167,861
Avg Diluted Shares(actual) 72,207,000 72,025,000 71,513,000 49,603,000 36,353,000
Basic Book Value per Share 41.27 39.69 37.48 36.57 26.62
Book Value per Share, As Reported 41.27 39.69 37.48 36.57 26.62
Basic Tangible Book Value per Share 25.06 23.41 21.06 19.94 18.38
Tangible Book Value per Share, As Reported 25.18 23.54 21.21 20.20 18.73
Common Dividends Declared per Share 0.68 1.24 1.10 1.06 1
EPS after Extra 1.84 3.94 2.08 2.17 2.39
EPS after Extra Growth(%) (5.60) 89.40 (4.10) (9.20) 21.30
Core EPS 1.92 4.09 3.19 2.96 2.59
Core EPS Growth(%) (4.90) 28.30 8 14 21.40
Diluted EPS before Amortization 1.88 4.02 2.16 2.28 2.51
Pre-Provision Earnings per Share 1.92 4.04 2.94 2.87 2.46
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