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 30,335,036 30,586,497 31,383,307 30,359,541 14,178,447
Total Net Loans 21,391,637 21,342,099 20,688,832 19,936,322 9,505,497
Total Deposits 22,558,280 22,418,658 21,214,148 20,538,204 10,068,259
Equity Attributable to Parent Company 4,422,424 4,530,113 4,428,853 4,240,178 1,855,183
Total Equity 4,422,424 4,530,113 4,428,853 4,240,178 1,855,183
Profitability (%)
Net Income($000) 14,147 427,041 447,254 93,031 139,972
Net Income Attributable to Parent($000) 14,147 427,041 447,254 93,031 139,972
ROAA 0.19 1.42 1.45 0.50 1.09
Core ROAA 0.09 1.49 1.55 1.28 1.17
ROAE 1.26 9.57 10.30 3.72 8.05
ROATCE 2.40 17.03 18.58 6.29 15.21
Core ROAE 0.62 10.08 10.95 9.44 8.69
Net Interest Margin 3.17 3.48 3.56 3.54 3.53
Reported: Net Interest Margin 3.21 3.49 3.57 3.55 3.55
Efficiency Ratio 44.32 40.06 38.68 41.26 45.79
Noninterest Inc/ Operating Rev 13.85 11.35 9.55 10.07 13.15
Balance Sheet Ratios (%)
Loans/ Deposits 96.24 95.64 90.59 97.42 94.63
Securities/ Assets 16.01 17.42 22.42 22.26 22.95
Total Equity/ Total Assets 14.58 14.81 14.11 13.97 13.08
Tangible Equity/ Tangible Assets 9.22 9.50 9.06 8.76 8.14
Tang Common Equity/ Tang Assets 8.74 9.03 8.60 8.27 8.14
Asset Quality (%)
NPAs/ Assets 0.99 0.79 0.70 0.75 0.72
NPA Excl Restructured/ Assets 0.87 0.63 0.59 0.70 0.64
NPAs & 90+ PD/ Assets 1 0.79 0.71 0.75 0.73
NPAs/ Loans & REO 1.38 1.12 1.06 1.13 1.07
Nonaccrual & 90+ & OREO/ Assets 0.88 0.63 0.60 0.71 0.65
NPAs & 90+ PD/ Loans & REO 1.39 1.12 1.07 1.14 1.08
NPA & Loans 90+/ Tangible Common Equity + LLR 10.71 8.92 8.45 9.32 8.98
NCOs/ Avg Loans 0.13 0.17 0.14 0.10 0.08
Loan Loss Reserves/ Gross Loans 1.50 0.50 0.46 0.39 0.66
Reserves/ NPAs 108.58 44.07 43.28 34.32 62.33
Loan Loss Provision/ NCO NM 129.81 162.95 221.94 306.61
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,567,037 2,588,975 2,649,593 2,458,449 1,160,739
Tier 1 Capital($000) 2,704,400 2,726,556 2,788,017 2,597,669 1,160,739
Tier 2 Capital($000) 532,661 525,856 239,108 220,735 216,808
Total Capital($000) 3,237,061 3,252,412 3,027,125 2,818,404 1,377,547
Total Risk-weighted Assets($000) 23,568,731 23,410,256 21,569,255 19,879,051 10,819,002
Tier 1 Common Capital (CET1) Ratio(%) 10.89 11.06 12.28 12.37 10.73
Tier 1 Ratio(%) 11.47 11.65 12.93 13.07 10.73
Total Capital Ratio(%) 13.73 13.89 14.03 14.18 12.73
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.41 9.55 9.50 9.39 8.95
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 194,460,656 198,455,324 216,227,852 224,782,694 135,257,570
Avg Diluted Shares(actual) 196,709,038 206,131,628 224,816,996 158,124,270 131,234,462
Basic Book Value per Share 22.04 22.13 19.84 18.24 13.72
Book Value per Share, As Reported 22.04 22.13 19.84 18.24 13.72
Basic Tangible Book Value per Share 12.83 13.09 11.78 10.53 8.08
Tangible Book Value per Share, As Reported 12.83 13.09 11.78 10.53 8.08
Common Dividends Declared per Share 0.07 0.28 0.28 0.28 0.28
EPS after Extra 0.06 2.03 1.95 0.58 1.07
EPS after Extra Growth(%) (87.20) 4.10 236.20 (45.80) 78.30
Core EPS 0.02 2.14 2.08 1.49 1.16
Core EPS Growth(%) (95.30) 3.10 39.30 29 17.60
Diluted EPS before Amortization 0.08 2.12 2.05 0.66 1.16
Pre-Provision Earnings per Share 0.50 2.24 2.15 1.44 1.15
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