Financial Highlights
2019 FQ3 YTD
9/30/2019
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 11,811,497 11,487,387 8,024,501 4,036,311 2,789,599
Total Net Loans 8,729,568 8,806,465 6,190,714 3,228,028 2,245,563
Total Deposits 8,859,288 8,658,351 6,085,886 3,145,581 2,195,123
Equity Attributable to Parent Company 1,988,998 1,969,697 1,241,996 459,740 298,980
Total Equity 1,988,998 1,969,697 1,241,996 459,740 298,980
Profitability (%)
Net Income($000) 118,620 123,340 60,100 40,103 25,515
Net Income Attributable to Parent($000) 118,620 123,340 60,100 40,103 25,515
ROAA 1.37 1.26 0.99 1.11 0.97
Core ROAA 1.45 1.49 1.34 1.20 1.12
ROAE 7.93 7.71 6.75 9.30 9.31
ROATCE 15.86 14.59 11.07 12.73 12.04
Core ROAE 8.39 9.11 9.16 10.03 10.73
Net Interest Margin 4.32 4.44 4.43 4.48 4.25
Reported: Net Interest Margin 4.34 4.44 4.43 4.48 4.25
Efficiency Ratio 50.26 51.66 50.97 53.64 55.81
Noninterest Inc/ Operating Rev 5.79 6.91 10.23 10.53 11.71
Balance Sheet Ratios (%)
Loans/ Deposits 98.85 102.06 101.81 103.05 102.70
Securities/ Assets 11.94 10.97 10.89 10.58 11.20
Total Equity/ Total Assets 16.84 17.15 15.48 11.39 10.72
Tangible Equity/ Tangible Assets 9.95 9.95 9.42 8.86 8.82
Tang Common Equity/ Tang Assets 9.95 9.95 9.42 8.86 8.82
Asset Quality (%)
NPAs/ Assets 0.07 0.04 0.05 0.04 0.18
NPA Excl Restructured/ Assets 0.07 0.04 0.04 0.04 0.18
NPAs & 90+ PD/ Assets 0.07 0.05 0.07 0.04 0.18
NPAs/ Loans & REO 0.09 0.06 0.06 0.05 0.23
Nonaccrual & 90+ & OREO/ Assets 0.07 0.05 0.07 0.04 0.18
NPAs & 90+ PD/ Loans & REO 0.09 0.06 0.09 0.05 0.23
NPA & Loans 90+/ Tangible Common Equity + LLR 0.73 0.48 0.75 0.43 1.99
NCOs/ Avg Loans 0.08 0.01 0.02 0.17 0.06
Loan Loss Reserves/ Gross Loans 0.40 0.41 0.47 0.66 0.77
Reserves/ NPAs 425.22 719 780.58 NM 337.50
Loan Loss Provision/ NCO 79.35 NM NM 182.95 491.21
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,080,584 1,087,164 717,145 356,658 245,224
Tier 1 Capital($000) 1,090,899 1,112,132 737,173 366,658 254,280
Tier 2 Capital($000) 234,044 125,183 115,209 81,492 77,920
Total Capital($000) 1,324,943 1,237,315 852,382 448,150 332,200
Total Risk-weighted Assets($000) 9,885,528 9,989,084 6,842,987 3,523,860 2,474,140
Tier 1 Common Capital (CET1) Ratio(%) 10.93 10.88 10.48 10.12 9.91
Tier 1 Ratio(%) 11.04 11.13 10.78 10.41 10.28
Total Capital Ratio(%) 13.40 12.39 12.46 12.72 13.43
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.34 10.38 10.61 9.78 9.52
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 59,364,340 62,480,755 46,245,050 27,798,283 21,570,746
Avg Diluted Shares(actual) 61,201,858 54,613,057 38,511,261 27,439,159 21,488,698
Basic Book Value per Share 33.50 31.52 26.86 16.54 13.86
Book Value per Share, As Reported 33.50 31.52 26.86 16.54 13.86
Basic Tangible Book Value per Share 18.28 16.84 15.26 12.51 11.17
Tangible Book Value per Share, As Reported 18.41 16.97 15.26 12.51 11.17
Common Dividends Declared per Share 0.66 0 0 0 0
EPS after Extra 1.92 2.26 1.56 1.46 1.19
EPS after Extra Growth(%) 19.30 44.90 6.80 22.70 24
Core EPS 2.03 2.67 2.12 1.57 1.37
Core EPS Growth(%) 5.30 26.10 34.50 14.80 34.80
Diluted EPS before Amortization 2.13 2.51 1.72 1.53 1.25
Pre-Provision Earnings per Share 2.09 2.75 2.18 1.82 1.57
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