Financial Highlights
2020 FQ3 YTD
3/31/2020
2019 FY
6/30/2019
2018 FY
6/30/2018
2017 FY
6/30/2017
2016 FY
6/30/2016
Balance Sheet ($000)
Total Assets 6,773,833 6,634,829 6,579,874 4,818,127 4,500,059
Total Net Loans 4,536,566 4,657,921 4,471,346 3,220,667 2,653,074
Total Deposits 4,253,254 4,147,610 4,073,604 2,929,745 2,694,687
Equity Attributable to Parent Company 1,069,672 1,127,159 1,268,748 1,057,181 1,147,629
Total Equity 1,069,672 1,127,159 1,268,748 1,057,181 1,147,629
Profitability (%)
Net Income($000) 31,276 42,142 19,596 18,603 15,822
Net Income Attributable to Parent($000) 31,276 42,142 19,596 18,603 15,822
ROAA 0.62 0.63 0.37 0.40 0.36
Core ROAA 0.65 0.67 0.54 0.41 0.36
ROAE 3.78 3.52 1.81 1.68 1.36
ROATCE 4.81 4.39 2.07 1.87 1.51
Core ROAE 4.01 3.71 2.65 1.69 1.37
Net Interest Margin 2.39 2.56 2.50 2.41 2.35
Reported: Net Interest Margin 2.39 2.56 2.50 2.41 2.35
Efficiency Ratio 62.78 62.48 67.43 71.02 68.26
Noninterest Inc/ Operating Rev 10.56 8.21 9.86 10.05 10.26
Balance Sheet Ratios (%)
Loans/ Deposits 107.27 112.81 110.50 110.77 99.23
Securities/ Assets 23.18 20.42 20.88 23.81 28.48
Total Equity/ Total Assets 15.79 16.99 19.28 21.94 25.50
Tangible Equity/ Tangible Assets 13.03 14.19 16.52 20.14 23.65
Tang Common Equity/ Tang Assets 13.03 14.19 16.52 20.14 23.65
Asset Quality (%)
NPAs/ Assets 0.65 0.37 0.32 0.47 0.55
NPA Excl Restructured/ Assets 0.52 0.31 0.27 0.42 0.49
NPAs & 90+ PD/ Assets 0.65 0.37 0.32 0.48 0.55
NPAs/ Loans & REO 0.96 0.52 0.47 0.70 0.92
Nonaccrual & 90+ & OREO/ Assets 0.53 0.31 0.27 0.43 0.49
NPAs & 90+ PD/ Loans & REO 0.96 0.52 0.47 0.71 0.92
NPA & Loans 90+/ Tangible Common Equity + LLR 4.93 2.60 1.95 2.35 2.33
NCOs/ Avg Loans 0 0.02 0.03 0.01 0.08
Loan Loss Reserves/ Gross Loans 0.81 0.71 0.69 0.90 0.90
Reserves/ NPAs 84.59 135.47 146.63 127.96 98.11
Loan Loss Provision/ NCO NM 310.03 240.11 NM 517.17
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 859,431 908,045 1,031,533 945,259 1,052,411
Tier 1 Capital($000) 859,431 908,045 1,031,533 945,259 1,052,411
Tier 2 Capital($000) 37,191 33,274 30,865 29,286 24,229
Total Capital($000) 896,622 941,319 1,062,398 974,545 1,076,640
Total Risk-weighted Assets($000) 3,925,956 4,053,069 4,117,618 3,250,817 2,776,323
Tier 1 Common Capital (CET1) Ratio(%) 21.89 22.40 25.05 29.08 37.91
Tier 1 Ratio(%) 21.89 22.40 25.05 29.08 37.91
Total Capital Ratio(%) 22.84 23.22 25.80 29.98 38.78
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 13.25 14.14 16.24 20.11 23.93
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 83,664,427 89,125,655 99,626,400 84,350,848 91,821,910
Avg Diluted Shares(actual) 83,016,000 91,100,000 82,643,000 84,661,000 89,625,000
Basic Book Value per Share 12.79 12.65 12.74 12.53 12.50
Book Value per Share, As Reported 12.79 12.65 12.74 12.53 12.50
Basic Tangible Book Value per Share 10.21 10.22 10.55 11.24 11.31
Tangible Book Value per Share, As Reported 10.21 10.22 10.56 11.24 11.31
Common Dividends Declared per Share 0.21 0.37 0.25 0.10 0.08
EPS after Extra 0.38 0.46 0.24 0.22 0.18
EPS after Extra Growth(%) 5.60 91.70 9.10 22.20 200
Core EPS 0.40 0.48 0.35 0.22 0.18
Core EPS Growth(%) 10.30 37.80 58.90 22 41
Diluted EPS before Amortization 0.39 0.47 0.24 0.22 0.18
Pre-Provision Earnings per Share 0.43 0.54 0.42 0.25 0.25
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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