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 20,173,298 19,736,544 11,776,012 11,487,387 8,024,501
Total Net Loans 12,857,704 12,969,016 8,688,285 8,806,465 6,190,714
Total Deposits 16,740,007 16,214,177 8,898,509 8,658,351 6,085,886
Equity Attributable to Parent Company 2,703,098 2,746,649 2,012,594 1,969,697 1,241,996
Total Equity 2,703,098 2,746,649 2,012,594 1,969,697 1,241,996
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) 68,668 60,351 159,718 123,340 60,100
Net Income Attributable to Parent($000) 68,668 60,351 159,718 123,340 60,100
ROAA 1.37 0.36 1.38 1.26 0.99
Core ROAA 1.39 0.60 1.45 1.49 1.34
ROAE 9.99 2.49 8 7.71 6.75
ROATCE NA 5 15.78 14.59 11.07
Core ROAE 10.08 4.20 8.37 9.11 9.15
Net Interest Margin 3.50 3.74 4.33 4.44 4.43
Reported: Net Interest Margin 3.55 3.74 4.33 4.44 4.43
Efficiency Ratio 48.36 49.86 50.55 51.66 50.97
Noninterest Inc/ Operating Rev 10.86 9.09 5.63 6.91 10.23
Balance Sheet Ratios (%)
Loans/ Deposits 78.36 81.63 98.02 102.06 101.81
Securities/ Assets NA 20.85 12.91 10.97 10.89
Total Equity/ Total Assets 13.40 13.92 17.09 17.15 15.48
Tangible Equity/ Tangible Assets NA 9.37 10.24 9.95 9.42
Tang Common Equity/ Tang Assets NA 9.37 10.24 9.95 9.42
Asset Quality (%)
NPAs/ Assets 0.19 0.15 0.10 0.04 0.05
NPA Excl Restructured/ Assets 0.19 0.15 0.08 0.04 0.04
NPAs & 90+ PD/ Assets 0.19 0.15 0.10 0.05 0.07
NPAs/ Loans & REO 0.30 0.22 0.14 0.06 0.06
Nonaccrual & 90+ & OREO/ Assets 0.19 0.15 0.08 0.05 0.07
NPAs & 90+ PD/ Loans & REO 0.30 0.22 0.14 0.06 0.09
NPA & Loans 90+/ Tangible Common Equity + LLR NA 1.44 1.04 0.48 0.74
NCOs/ Avg Loans 0.04 0.14 0.09 0.01 0.02
Loan Loss Reserves/ Gross Loans 2.03 2.02 0.41 0.41 0.47
Reserves/ NPAs 686.21 917.59 298.28 723.03 789.31
Loan Loss Provision/ NCO 23.61 NM 95.02 NM NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 1,811,280 1,116,185 1,087,164 717,145
Tier 1 Capital($000) NA 1,811,280 1,123,740 1,112,132 737,173
Tier 2 Capital($000) NA 642,775 234,164 125,183 115,209
Total Capital($000) NA 2,454,055 1,357,904 1,237,315 852,382
Total Risk-weighted Assets($000) NA 15,043,752 9,835,824 9,989,084 6,842,987
Tier 1 Common Capital (CET1) Ratio(%) 12.05 12.04 11.35 10.88 10.48
Tier 1 Ratio(%) 12.05 12.04 11.42 11.13 10.78
Total Capital Ratio(%) 16.26 16.31 13.81 12.39 12.46
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.66 9.47 10.54 10.38 10.61
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 94,644,415 94,483,136 59,506,057 62,480,755 46,245,050
Avg Diluted Shares(actual) 94,093,644 79,506,274 60,692,281 54,613,057 38,511,261
Basic Book Value per Share 28.56 29.07 33.82 31.52 26.86
Book Value per Share, As Reported 28.56 29.07 33.82 31.52 26.86
Basic Tangible Book Value per Share NA 18.60 18.71 16.84 15.26
Tangible Book Value per Share, As Reported 18.19 18.65 18.84 16.97 15.26
Common Dividends Declared per Share 0.30 1.03 0.88 0 0
EPS after Extra 0.72 0.75 2.60 2.26 1.56
EPS after Extra Growth(%) 67.40 (71.20) 15 44.90 6.80
Core EPS 0.73 1.27 2.72 2.67 2.12
Core EPS Growth(%) 80.50 (53.30) 1.90 26.10 34.50
Diluted EPS before Amortization 0.76 0.97 2.88 2.51 1.72
Pre-Provision Earnings per Share 0.74 2.97 2.79 2.75 2.18
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