Financial Highlights
2019 FQ3 YTD
9/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 28,930,855 26,939,781 25,680,447 24,771,406 23,367,540
Total Net Loans 21,719,528 20,444,256 19,138,102 17,693,917 17,036,097
Total Deposits 22,434,734 21,137,486 19,948,300 19,020,985 17,707,189
Equity Attributable to Parent Company 4,289,516 4,056,442 3,969,367 3,875,082 3,810,493
Total Equity 4,289,516 4,056,442 3,969,367 3,875,082 3,810,493
Profitability (%)
Net Income($000) 270,345 316,263 242,313 230,068 204,309
Net Income Attributable to Parent($000) 270,345 316,263 242,313 230,068 204,309
ROAA 1.30 1.21 0.97 0.96 0.89
Core ROAA 1.05 1.29 0.92 1.03 1.05
ROAE 8.65 7.90 6.17 5.97 5.39
ROATCE 15.48 14.68 11.70 11.62 10.84
Core ROAE 6.96 8.43 5.90 6.44 6.32
Net Interest Margin 3.78 4.04 3.94 4.02 4.29
Reported: Net Interest Margin 3.78 4.04 3.94 4.02 4.29
Efficiency Ratio 59.62 58.16 62.95 61.97 62.96
Noninterest Inc/ Operating Rev 20.46 22.59 24.34 26.42 24.65
Balance Sheet Ratios (%)
Loans/ Deposits 95.93 96.62 95.34 91.69 94.89
Securities/ Assets 10.25 11.47 12.34 11.30 11.18
Total Equity/ Total Assets 14.83 15.06 15.46 15.64 16.31
Tangible Equity/ Tangible Assets 9.15 8.92 9.02 8.94 9.18
Tang Common Equity/ Tang Assets 9.15 8.92 9.02 8.94 9.18
Asset Quality (%)
NPAs/ Assets 0.17 0.28 0.37 0.30 0.35
NPA Excl Restructured/ Assets 0.12 0.23 0.25 0.14 0.21
NPAs & 90+ PD/ Assets 0.30 0.42 0.49 0.42 0.41
NPAs/ Loans & REO 0.23 0.37 0.49 0.42 0.47
Nonaccrual & 90+ & OREO/ Assets 0.25 0.36 0.37 0.25 0.28
NPAs & 90+ PD/ Loans & REO 0.39 0.54 0.65 0.58 0.56
NPA & Loans 90+/ Tangible Common Equity + LLR 3.25 4.70 5.51 4.71 4.55
NCOs/ Avg Loans 0.28 0.26 0.22 0.22 0.14
Loan Loss Reserves/ Gross Loans 0.71 0.70 0.73 0.75 0.76
Reserves/ NPAs 312.76 191.36 147.61 179.58 161.36
Loan Loss Provision/ NCO 125.46 108.25 116.30 109.63 163.10
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,449,572 2,315,750 2,238,540 2,108,948 2,020,814
Tier 1 Capital($000) 2,449,572 2,315,750 2,238,540 2,108,948 2,073,402
Tier 2 Capital($000) 612,373 600,393 605,721 598,745 479,759
Total Capital($000) 3,061,945 2,916,143 2,844,261 2,707,693 2,553,161
Total Risk-weighted Assets($000) 22,469,074 21,590,997 20,225,109 18,394,707 17,801,593
Tier 1 Common Capital (CET1) Ratio(%) 10.90 10.73 11.07 11.47 11.35
Tier 1 Ratio(%) 10.90 10.73 11.07 11.47 11.65
Total Capital Ratio(%) 13.63 13.51 14.06 14.72 14.34
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.22 9.31 9.38 9.21 9.73
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 220,212,134 220,255,039 220,148,824 220,177,030 220,171,091
Avg Diluted Shares(actual) 220,642,000 220,737,000 220,836,000 220,908,000 221,045,000
Basic Book Value per Share 19.48 18.42 18.03 17.60 17.31
Book Value per Share, As Reported 19.48 18.42 18.03 17.60 17.31
Basic Tangible Book Value per Share 11.26 10.17 9.77 9.31 8.98
Tangible Book Value per Share, As Reported 11.27 10.19 9.77 9.31 8.98
Common Dividends Declared per Share 0.63 0.82 0.68 0.64 0.62
EPS after Extra 1.23 1.43 1.10 1.04 0.92
EPS after Extra Growth(%) 15 30 5.80 13 35.30
Core EPS 0.99 1.53 1.05 1.12 1.08
Core EPS Growth(%) (15) 45 (6.20) 4.10 8.60
Diluted EPS before Amortization 1.25 1.46 1.13 1.08 0.97
Pre-Provision Earnings per Share 1.23 1.78 1.22 1.24 1.16
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