Financial Highlights
2020 FY
12/31/2020
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 29,235,175 28,846,809 26,939,781 25,680,447 24,771,406
Total Net Loans 22,217,191 21,551,486 20,444,256 19,138,102 17,693,917
Total Deposits 24,622,201 22,481,504 21,137,486 19,948,300 19,020,985
Equity Attributable to Parent Company 2,704,577 4,313,915 4,056,442 3,969,367 3,875,082
Total Equity 2,704,577 4,313,915 4,056,442 3,969,367 3,875,082
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) (1,523,420) 354,095 316,263 242,313 230,068
Net Income Attributable to Parent($000) (1,523,420) 354,095 316,263 242,313 230,068
ROAA (5.22) 1.27 1.21 0.97 0.96
Core ROAA (0.38) 1.09 1.29 0.92 1.03
ROAE (51.08) 8.42 7.90 6.17 5.97
ROATCE NA 14.97 14.68 11.70 11.62
Core ROAE (3.68) 7.23 8.43 5.90 6.44
Net Interest Margin 3.23 3.71 4.04 3.94 4.02
Reported: Net Interest Margin 3.23 3.71 4.04 3.94 4.02
Efficiency Ratio 58.16 59.17 58.16 62.95 61.97
Noninterest Inc/ Operating Rev 31.46 22.17 22.59 24.34 26.42
Balance Sheet Ratios (%)
Loans/ Deposits 88.45 94.28 96.62 95.34 91.69
Securities/ Assets 10.47 10.21 11.47 12.34 11.30
Total Equity/ Total Assets 9.25 14.95 15.06 15.46 15.64
Tangible Equity/ Tangible Assets NA 9.26 8.92 9.02 8.94
Tang Common Equity/ Tang Assets NA 9.26 8.92 9.02 8.94
Asset Quality (%)
NPAs/ Assets 0.16 0.17 0.28 0.37 0.30
NPA Excl Restructured/ Assets 0.11 0.10 0.23 0.25 0.14
NPAs & 90+ PD/ Assets 0.29 0.30 0.42 0.49 0.42
NPAs/ Loans & REO 0.21 0.22 0.37 0.49 0.42
Nonaccrual & 90+ & OREO/ Assets 0.24 0.23 0.36 0.37 0.25
NPAs & 90+ PD/ Loans & REO 0.37 0.40 0.54 0.65 0.58
NPA & Loans 90+/ Tangible Common Equity + LLR NA 3.24 4.70 5.51 4.71
NCOs/ Avg Loans 0.31 0.28 0.26 0.22 0.22
Loan Loss Reserves/ Gross Loans 1.46 0.73 0.70 0.73 0.75
Reserves/ NPAs 685.93 327.61 191.36 147.61 179.58
Loan Loss Provision/ NCO 269.86 121.35 108.25 116.30 109.63
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 2,490,709 2,315,750 2,238,540 2,108,948
Tier 1 Capital($000) NA 2,490,709 2,315,750 2,238,540 2,108,948
Tier 2 Capital($000) NA 613,735 600,393 605,721 598,745
Total Capital($000) NA 3,104,444 2,916,143 2,844,261 2,707,693
Total Risk-weighted Assets($000) NA 22,240,813 21,590,997 20,225,109 18,394,707
Tier 1 Common Capital (CET1) Ratio(%) 12.30 11.20 10.73 11.07 11.47
Tier 1 Ratio(%) 12.30 11.20 10.73 11.07 11.47
Total Capital Ratio(%) 15.60 13.96 13.51 14.06 14.72
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9 9.16 9.31 9.38 9.21
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 220,226,000 220,229,282 220,255,039 220,148,824 220,177,030
Avg Diluted Shares(actual) 220,218,000 220,650,000 220,737,000 220,836,000 220,908,000
Basic Book Value per Share 12.28 19.59 18.42 18.03 17.60
Book Value per Share, As Reported 12.28 19.59 18.42 18.03 17.60
Basic Tangible Book Value per Share NA 11.36 10.17 9.77 9.31
Tangible Book Value per Share, As Reported 12.21 11.39 10.19 9.77 9.31
Common Dividends Declared per Share 0.63 0.84 0.82 0.68 0.64
EPS after Extra (6.92) 1.60 1.43 1.10 1.04
EPS after Extra Growth(%) NM 11.90 30 5.80 13
Core EPS (0.50) 1.37 1.53 1.05 1.12
Core EPS Growth(%) NM (9.90) 45 (6.20) 4.10
Diluted EPS before Amortization 1.21 1.63 1.46 1.13 1.08
Pre-Provision Earnings per Share (4.49) 1.69 1.78 1.22 1.24
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