Financial Highlights
2021 FQ1 YTD
3/31/2021
2020 FY
12/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
Balance Sheet ($000)
Total Assets 29,914,282 29,820,138 30,586,497 31,383,307 30,359,541
Total Net Loans 20,865,024 21,534,058 21,342,099 20,688,832 19,936,322
Total Deposits 23,841,718 23,119,522 22,418,658 21,214,148 20,538,204
Equity Attributable to Parent Company 4,620,164 4,590,514 4,530,113 4,428,853 4,240,178
Total Equity 4,620,164 4,590,514 4,530,113 4,428,853 4,240,178
COVID-19 Financial Disclosure
Paycheck Protection Program Loan($000) NA NA NA NA NA
PPP Loan Ratio(%) NA NA NA NA NA
COVID-19 Loan Modification($000) NA NA NA NA NA
COVID-19 Loan Modification Ratio(%) NA NA NA NA NA
Processing Fees on PPP Loans($000) NA NA NA NA NA
Profitability (%)
Net Income($000) 99,150 225,769 427,041 447,254 93,031
Net Income Attributable to Parent($000) 99,150 225,769 427,041 447,254 93,031
ROAA 1.34 0.74 1.42 1.45 0.50
Core ROAA 1.38 0.80 1.49 1.55 1.28
ROAE 8.59 4.99 9.57 10.30 3.72
ROATCE 14.81 8.89 17.03 18.58 6.29
Core ROAE 8.84 5.36 10.08 10.95 9.44
Net Interest Margin 3.34 3.23 3.48 3.56 3.54
Reported: Net Interest Margin 3.43 3.26 3.49 3.57 3.55
Efficiency Ratio 45.05 45.58 40.06 38.68 41.26
Noninterest Inc/ Operating Rev 12.68 12.30 11.35 9.55 10.07
Balance Sheet Ratios (%)
Loans/ Deposits 88.72 94.50 95.64 90.59 97.42
Securities/ Assets 14.69 14.10 17.42 22.42 22.26
Total Equity/ Total Assets 15.44 15.39 14.81 14.11 13.97
Tangible Equity/ Tangible Assets 10.12 10.03 9.50 9.06 8.76
Tang Common Equity/ Tang Assets 9.63 9.55 9.03 8.60 8.27
Asset Quality (%)
NPAs/ Assets NA 0.70 0.79 0.70 0.75
NPA Excl Restructured/ Assets 0.58 0.58 0.63 0.59 0.70
NPAs & 90+ PD/ Assets NA 0.70 0.79 0.71 0.75
NPAs/ Loans & REO NA 0.96 1.12 1.06 1.13
Nonaccrual & 90+ & OREO/ Assets 0.58 0.58 0.63 0.60 0.71
NPAs & 90+ PD/ Loans & REO NA 0.96 1.12 1.07 1.14
NPA & Loans 90+/ Tangible Common Equity + LLR NA 6.99 8.92 8.45 9.32
NCOs/ Avg Loans 0.24 0.56 0.17 0.14 0.10
Loan Loss Reserves/ Gross Loans 1.53 1.49 0.50 0.46 0.39
Reserves/ NPAs NA 155.49 44.07 43.28 34.32
Loan Loss Provision/ NCO 77.44 205.61 129.81 162.95 221.94
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 2,727,385 2,588,975 2,649,593 2,458,449
Tier 1 Capital($000) NA 2,864,074 2,726,556 2,788,017 2,597,669
Tier 2 Capital($000) NA 773,959 525,856 239,108 220,735
Total Capital($000) NA 3,638,033 3,252,412 3,027,125 2,818,404
Total Risk-weighted Assets($000) NA 23,939,247 23,410,256 21,569,255 19,879,051
Tier 1 Common Capital (CET1) Ratio(%) 11.90 11.39 11.06 12.28 12.37
Tier 1 Ratio(%) NA 11.96 11.65 12.93 13.07
Total Capital Ratio(%) NA 15.20 13.89 14.03 14.18
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.50 10.14 9.55 9.50 9.39
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 192,567,901 192,923,371 198,455,324 216,227,852 224,782,694
Avg Diluted Shares(actual) 192,621,907 194,393,343 206,131,628 224,816,996 158,124,270
Basic Book Value per Share 23.28 23.09 22.13 19.84 18.24
Book Value per Share, As Reported 23.28 23.09 22.13 19.84 18.24
Basic Tangible Book Value per Share 14.08 13.87 13.09 11.78 10.53
Tangible Book Value per Share, As Reported 14.08 13.87 13.09 11.78 10.53
Common Dividends Declared per Share 0.07 0.28 0.28 0.28 0.28
EPS after Extra 0.50 1.12 2.03 1.95 0.58
EPS after Extra Growth(%) 733.30 (44.80) 4.10 236.20 (45.80)
Core EPS 0.51 1.20 2.14 2.08 1.49
Core EPS Growth(%) NM (43.70) 3.10 39.30 29
Diluted EPS before Amortization 0.52 1.21 2.12 2.05 0.66
Pre-Provision Earnings per Share 0.53 2.04 2.24 2.15 1.44
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