Financial Highlights Report

Financial Highlights
2019 FY
12/31/2019
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 13,209,597 11,408,006 9,810,739 8,247,079 7,694,754
Total Net Loans 8,324,270 7,465,535 6,380,338 5,358,656 5,027,584
Total Deposits 11,044,331 9,502,838 8,146,909 6,847,411 6,405,823
Equity Attributable to Parent Company 1,578,137 1,325,175 991,457 740,916 663,173
Total Equity 1,578,137 1,325,175 991,457 740,916 663,173
Profitability (%)
Net Income($000) 149,129 116,998 75,272 80,349 60,042
Net Income Attributable to Parent($000) 149,129 116,998 75,272 80,349 60,042
ROAA 1.24 1.09 0.84 0.98 0.89
Core ROAA 1.12 1.17 0.96 0.94 0.81
ROAE 10.12 9.93 8.63 11.52 10.38
ROATCE NA 15.78 11.85 15.79 14.39
Core ROAE 9.16 10.72 9.94 11.04 9.48
Net Interest Margin 4.02 4.30 4.19 4.10 3.94
Reported: Net Interest Margin 4.04 4.32 4.22 4.13 3.97
Efficiency Ratio 65.61 64.55 65.53 66.73 72.01
Noninterest Inc/ Operating Rev 19.89 20.67 22.11 25.76 29.58
Balance Sheet Ratios (%)
Loans/ Deposits 75.77 77.95 78.45 78.16 78.08
Securities/ Assets 26.01 23.80 25.41 25.84 24.42
Total Equity/ Total Assets 11.95 11.62 10.11 8.98 8.62
Tangible Equity/ Tangible Assets NA 8.06 7.54 7.29 7.17
Tang Common Equity/ Tang Assets NA 8.06 7.53 7.28 6.09
Asset Quality (%)
NPAs/ Assets NA 0.59 0.65 0.82 0.70
NPA Excl Restructured/ Assets NA 0.55 0.58 0.70 0.56
NPAs & 90+ PD/ Assets NA 0.60 0.66 0.82 0.70
NPAs/ Loans & REO NA 0.89 0.99 1.25 1.06
Nonaccrual & 90+ & OREO/ Assets NA 0.56 0.59 0.70 0.56
NPAs & 90+ PD/ Loans & REO NA 0.90 1 1.25 1.06
NPA & Loans 90+/ Tangible Common Equity + LLR NA 7.18 8.36 10.55 10.55
NCOs/ Avg Loans 0.11 0.25 0.24 0.11 0.12
Loan Loss Reserves/ Gross Loans 0.84 0.82 0.87 1 0.96
Reserves/ NPAs NA 92.23 87.16 80.14 90.43
Loan Loss Provision/ NCO 202.52 135.39 109.59 193.13 232.50
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 933,755 760,788 639,467 487,132
Tier 1 Capital($000) NA 1,064,669 883,612 756,056 683,706
Tier 2 Capital($000) NA 136,278 130,983 131,551 128,862
Total Capital($000) NA 1,200,947 1,014,595 887,607 812,568
Total Risk-weighted Assets($000) NA 8,756,130 7,511,544 6,335,807 5,916,027
Tier 1 Common Capital (CET1) Ratio(%) NA 10.66 10.13 10.09 8.24
Tier 1 Ratio(%) NA 12.16 11.76 11.93 11.56
Total Capital Ratio(%) NA 13.72 13.51 14.01 13.74
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) NA 9.73 9.25 9.28 9.58
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 36,704,278 34,477,499 29,953,356 26,119,929 22,435,693
Avg Diluted Shares(actual) 36,061,908 33,213,148 28,425,652 24,873,430 20,929,385
Basic Book Value per Share 43 38.44 33.07 28.31 25.92
Book Value per Share, As Reported 43 38.44 33.07 28.31 25.92
Basic Tangible Book Value per Share NA 25.65 23.99 22.55 20.57
Tangible Book Value per Share, As Reported 29.51 25.70 23.99 22.55 20.57
Common Dividends Declared per Share 0.68 0.59 0.51 0.50 0.45
EPS after Extra 4.14 3.52 2.65 3.22 2.83
EPS after Extra Growth(%) 17.60 32.80 (17.70) 13.80 29.20
Core EPS 3.75 3.80 3.05 3.09 2.58
Core EPS Growth(%) (1.30) 24.40 (1) 19.50 20.60
Diluted EPS before Amortization 4.47 3.80 2.86 3.45 2.97
Pre-Provision Earnings per Share 3.75 4.08 2.98 3.07 2.53
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.