Financial Highlights Report

Financial Highlights
2019 FQ3 YTD
3/31/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
2015 FY
6/30/2015
Balance Sheet ($000)
Total Assets 6,658,751 6,579,874 4,818,127 4,500,059 4,237,187
Total Net Loans 4,627,696 4,471,346 3,220,667 2,653,074 2,087,258
Total Deposits 4,137,573 4,073,604 2,929,745 2,694,687 2,465,570
Equity Attributable to Parent Company 1,158,111 1,268,748 1,057,181 1,147,629 1,167,375
Total Equity 1,158,111 1,268,748 1,057,181 1,147,629 1,167,375
Profitability (%)
Net Income($000) 33,331 19,596 18,603 15,822 5,629
Net Income Attributable to Parent($000) 33,331 19,596 18,603 15,822 5,629
ROAA 0.67 0.37 0.40 0.36 0.15
Core ROAA 0.68 0.54 0.41 0.36 0.32
ROAE 3.66 1.81 1.68 1.36 0.98
ROATCE NA 2.07 1.87 1.51 1.23
Core ROAE 3.72 2.65 1.69 1.37 2.09
Net Interest Margin 2.59 2.50 2.41 2.35 2.34
Reported: Net Interest Margin 2.59 2.50 2.41 2.35 2.34
Efficiency Ratio 61.47 67.43 71.02 68.26 75.83
Noninterest Inc/ Operating Rev 8.07 9.86 10.05 10.26 7.92
Balance Sheet Ratios (%)
Loans/ Deposits 112.62 110.50 110.77 99.23 85.29
Securities/ Assets 20.78 20.88 23.81 28.48 34.41
Total Equity/ Total Assets 17.39 19.28 21.94 25.50 27.55
Tangible Equity/ Tangible Assets NA 16.52 20.14 23.65 25.63
Tang Common Equity/ Tang Assets NA 16.52 20.14 23.65 25.63
Asset Quality (%)
NPAs/ Assets NA 0.32 0.47 0.55 0.64
NPA Excl Restructured/ Assets 0.32 0.27 0.42 0.49 0.56
NPAs & 90+ PD/ Assets NA 0.32 0.48 0.55 0.64
NPAs/ Loans & REO NA 0.47 0.70 0.92 1.28
Nonaccrual & 90+ & OREO/ Assets 0.32 0.27 0.43 0.49 0.56
NPAs & 90+ PD/ Loans & REO NA 0.47 0.71 0.92 1.28
NPA & Loans 90+/ Tangible Common Equity + LLR NA 1.95 2.35 2.33 2.51
NCOs/ Avg Loans 0.02 0.03 0.01 0.08 0.16
Loan Loss Reserves/ Gross Loans 0.71 0.69 0.90 0.90 0.74
Reserves/ NPAs NA 146.63 127.96 98.11 57.90
Loan Loss Provision/ NCO 443.56 240.11 NM 517.17 211.42
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 934,054 1,031,533 945,259 1,052,411 1,062,332
Tier 1 Capital($000) 934,054 1,031,533 945,259 1,052,411 1,062,332
Tier 2 Capital($000) 33,105 30,865 29,286 24,229 15,606
Total Capital($000) 967,159 1,062,398 974,545 1,076,640 1,077,938
Total Risk-weighted Assets($000) 4,125,680 4,117,618 3,250,817 2,776,323 2,285,709
Tier 1 Common Capital (CET1) Ratio(%) 22.64 25.05 29.08 37.91 46.48
Tier 1 Ratio(%) 22.64 25.05 29.08 37.91 46.48
Total Capital Ratio(%) 23.45 25.80 29.98 38.78 47.16
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 14.42 16.24 20.11 23.93 25.82
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 91,495,132 99,626,400 84,350,848 91,821,910 93,528,092
Avg Diluted Shares(actual) 92,419,000 82,643,000 84,661,000 89,625,000 91,841,000
Basic Book Value per Share 12.66 12.74 12.53 12.50 12.48
Book Value per Share, As Reported 12.66 12.74 12.53 12.50 12.48
Basic Tangible Book Value per Share NA 10.55 11.24 11.31 11.31
Tangible Book Value per Share, As Reported 10.29 10.56 11.24 11.31 11.31
Common Dividends Declared per Share 0.31 0.25 0.10 0.08 0
EPS after Extra 0.36 0.24 0.22 0.18 0.06
EPS after Extra Growth(%) 140 9.10 22.20 200 (45.50)
Core EPS 0.37 0.35 0.22 0.18 0.13
Core EPS Growth(%) 73.30 58.90 22 41 11.80
Diluted EPS before Amortization 0.37 0.24 0.22 0.18 0.06
Pre-Provision Earnings per Share 0.42 0.42 0.25 0.25 0.14
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
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