Financial Highlights

Financial Highlights
2020 FQ1 YTD
3/31/2020
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 50,619,585 48,203,282 32,669,192 31,221,837 30,104,002
Total Net Loans 37,884,413 36,996,221 25,734,653 24,597,576 23,656,305
Total Deposits 39,826,585 38,405,504 26,720,322 26,147,900 24,648,060
Total Equity 5,065,205 4,941,690 3,133,602 2,961,566 2,927,924
Profitability (%)
Net Income($000) 38,521 563,780 428,476 275,474 246,784
ROAA 0.32 1.20 1.35 0.89 0.84
Core ROAA 0.34 1.37 1.39 0.99 0.88
ROAE 3.11 11.86 14.29 9.27 8.40
ROATCE 3.34 14.15 14.95 9.58 8.51
Core ROAE 3.38 13.45 14.68 10.30 8.80
Reported: Net Interest Margin 3.37 3.70 3.86 3.55 3.27
Efficiency Ratio 56.51 51.39 56.17 58.78 61.58
Noninterest Inc/ Operating Rev 21.03 18.55 19.95 21.10 22.98
Balance Sheet Ratios (%)
Loans/ Deposits 96.06 96.76 97.10 94.80 96.79
Securities/ Assets 14.37 14.78 12.88 13.39 13.07
Total Equity/ Total Assets 10.01 10.25 9.59 9.49 9.73
Tangible Equity/ Tangible Assets 9.01 9.20 9.40 9.29 9.51
Tang Common Equity/ Tang Assets 7.94 8.08 8.80 8.88 9.09
Asset Quality (%)
NPAs/ Assets 0.66 0.56 0.70 0.90 1.23
NPA Excl Restructured/ Assets 0.34 0.29 0.35 0.42 0.58
NPAs & 90+ PD/ Assets 0.67 0.59 0.72 0.92 1.24
NPAs/ Loans & REO 0.86 0.73 0.89 1.13 1.55
Nonaccrual & 90+ & OREO/ Assets 0.35 0.32 0.36 0.43 0.59
NPAs & 90+ PD/ Loans & REO 0.88 0.77 0.90 1.15 1.57
NPA & Loans 90+/ Tangible Common Equity + LLR 7.56 6.94 7.50 9.49 12.57
NCOs/ Avg Loans 0.21 0.16 0.20 0.29 0.12
Loan Loss Reserves/ Gross Loans 1.29 0.75 0.96 1 1.05
Reserves/ NPAs 148.81 104 108.91 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) 3,744,415 3,743,459 2,897,997 2,763,168 2,654,287
Tier 1 Capital($000) 4,281,560 4,280,604 3,090,416 2,872,001 2,685,880
Tier 2 Capital($000) 1,007,479 842,777 510,960 511,080 515,388
Total Capital($000) 5,289,039 5,123,381 3,601,376 3,383,081 3,201,268
Total Risk-weighted Assets($000) 43,051,022 41,831,642 29,121,309 27,667,906 26,662,081
Tier 1 Common Capital (CET1) Ratio(%) 8.70 8.95 9.95 9.99 9.96
Tier 1 Ratio(%) 9.95 10.23 10.61 10.38 10.07
Total Capital Ratio(%) 12.29 12.25 12.37 12.23 12.01
Leverage Ratio(%) 8.92 9.16 9.60 9.19 8.99
Per Share Information ($)
Common Shares Outstanding(actual) 147,266,662 147,157,596 115,865,510 118,897,295 122,266,106
Avg Diluted Shares(actual) 148,401,000 156,058,000 118,378,000 122,012,000 125,078,000
Basic Book Value per Share 30.75 29.93 25.36 23.85 22.92
Book Value per Share, As Reported 30.75 29.93 25.36 23.85 22.92
Basic Tangible Book Value per Share 26.99 26.15 24.75 23.27 22.32
Tangible Book Value per Share, As Reported 27.01 26.17 24.78 23.27 22.32
Common Dividends Declared per Share 0.33 1.20 1 0.60 0.48
EPS after Extra 0.20 3.47 3.47 2.17 1.89
Core EPS 0.22 3.95 3.57 2.42 1.99
Core EPS Growth(%) (77.20) 10.80 47.50 21.80 20.40
Diluted EPS before Amortization 0.22 3.54 3.48 2.18 1.89
Pre-Provision Earnings per Share 1 4.60 4.02 2.68 2.17
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