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 54,121,989 48,203,282 32,669,192 31,221,837 30,104,002
Total Net Loans 40,226,585 36,996,221 25,734,653 24,597,576 23,656,305
Total Deposits 44,194,580 38,405,504 26,720,322 26,147,900 24,648,060
Total Equity 5,052,968 4,941,690 3,133,602 2,961,566 2,927,924
Profitability (%)
Net Income($000) 131,712 563,780 428,476 275,474 246,784
ROAA 0.52 1.20 1.35 0.89 0.84
Core ROAA 0.34 1.37 1.39 0.99 0.88
ROAE 5.26 11.86 14.29 9.27 8.40
ROATCE NA 14.15 14.95 9.58 8.51
Core ROAE 3.46 13.45 14.68 10.30 8.80
Reported: Net Interest Margin NA 3.70 3.86 3.55 3.27
Efficiency Ratio 56.51 51.39 56.17 58.78 61.58
Noninterest Inc/ Operating Rev 20.62 18.55 19.95 21.10 22.98
Balance Sheet Ratios (%)
Loans/ Deposits 90.31 96.76 97.10 94.80 96.79
Securities/ Assets NA 14.78 12.88 13.39 13.07
Total Equity/ Total Assets 9.34 10.25 9.59 9.49 9.73
Tangible Equity/ Tangible Assets NA 9.20 9.40 9.29 9.51
Tang Common Equity/ Tang Assets NA 8.08 8.80 8.88 9.09
Asset Quality (%)
NPAs/ Assets 0.64 0.56 0.70 0.90 1.23
NPA Excl Restructured/ Assets NA 0.29 0.35 0.42 0.58
NPAs & 90+ PD/ Assets 0.65 0.59 0.72 0.92 1.24
NPAs/ Loans & REO NA 0.73 0.89 1.13 1.55
Nonaccrual & 90+ & OREO/ Assets NA 0.32 0.36 0.43 0.59
NPAs & 90+ PD/ Loans & REO NA 0.77 0.90 1.15 1.57
NPA & Loans 90+/ Tangible Common Equity + LLR NA 6.94 7.50 9.49 12.57
NCOs/ Avg Loans 0.23 0.16 0.20 0.29 0.12
Loan Loss Reserves/ Gross Loans 1.44 0.75 0.96 1 1.05
Reserves/ NPAs 171.05 104 108.91 88.45 67.77
Loan Loss Provision/ NCO NM 152.26 102.55 96.43 97.43
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 3,743,459 2,897,997 2,763,168 2,654,287
Tier 1 Capital($000) 4,364,077 4,280,604 3,090,416 2,872,001 2,685,880
Tier 2 Capital($000) 1,095,194 842,777 510,960 511,080 515,388
Total Capital($000) 5,459,271 5,123,381 3,601,376 3,383,081 3,201,268
Total Risk-weighted Assets($000) NA 41,831,642 29,121,309 27,667,906 26,662,081
Tier 1 Common Capital (CET1) Ratio(%) 8.90 8.95 9.95 9.99 9.96
Tier 1 Ratio(%) 10.15 10.23 10.61 10.38 10.07
Total Capital Ratio(%) 12.70 12.25 12.37 12.23 12.01
Leverage Ratio(%) 8.38 9.16 9.60 9.19 8.99
Per Share Information ($)
Common Shares Outstanding(actual) 147,312,703 147,157,596 115,865,510 118,897,295 122,266,106
Avg Diluted Shares(actual) 148,067,000 156,058,000 118,378,000 122,012,000 125,078,000
Basic Book Value per Share 30.65 29.93 25.36 23.85 22.92
Book Value per Share, As Reported 30.65 29.93 25.36 23.85 22.92
Basic Tangible Book Value per Share NA 26.15 24.75 23.27 22.32
Tangible Book Value per Share, As Reported 26.94 26.17 24.78 23.27 22.32
Common Dividends Declared per Share 0.66 1.20 1 0.60 0.48
EPS after Extra 0.78 3.47 3.47 2.17 1.89
Core EPS 0.48 3.95 3.57 2.42 1.99
Core EPS Growth(%) (76.10) 10.80 47.50 21.80 20.40
Diluted EPS before Amortization 0.82 3.54 3.48 2.18 1.89
Pre-Provision Earnings per Share 2.05 4.60 4.02 2.68 2.17
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