Financial Highlights Report

Financial Highlights
2019 FQ2 YTD
6/30/2019
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 12,160,290 11,408,006 9,810,739 8,247,079 7,694,754
Total Net Loans 7,823,776 7,465,535 6,380,338 5,358,656 5,027,584
Total Deposits 10,108,557 9,502,838 8,146,909 6,847,411 6,405,823
Equity Attributable to Parent Company 1,521,787 1,325,175 991,457 740,916 663,173
Total Equity 1,521,787 1,325,175 991,457 740,916 663,173
Profitability (%)
Net Income($000) 76,666 116,998 75,272 80,349 60,042
Net Income Attributable to Parent($000) 76,666 116,998 75,272 80,349 60,042
ROAA 1.33 1.09 0.84 0.98 0.89
Core ROAA 1.07 1.17 0.96 0.94 0.81
ROAE 11.03 9.93 8.63 11.52 10.38
ROATCE 17.34 15.78 11.85 15.79 14.39
Core ROAE 8.82 10.72 9.94 11.04 9.48
Net Interest Margin 4.08 4.30 4.19 4.10 3.94
Reported: Net Interest Margin 4.14 4.32 4.22 4.13 3.97
Efficiency Ratio 66.74 64.55 65.53 66.73 72.01
Noninterest Inc/ Operating Rev 20.25 20.67 22.11 25.76 29.58
Balance Sheet Ratios (%)
Loans/ Deposits 77.69 77.95 78.45 78.16 78.08
Securities/ Assets 22.05 23.80 25.41 25.84 24.42
Total Equity/ Total Assets 12.51 11.62 10.11 8.98 8.62
Tangible Equity/ Tangible Assets 8.91 8.06 7.54 7.29 7.17
Tang Common Equity/ Tang Assets 8.91 8.06 7.53 7.28 6.09
Asset Quality (%)
NPAs/ Assets 0.55 0.59 0.65 0.82 0.70
NPA Excl Restructured/ Assets 0.52 0.55 0.58 0.70 0.56
NPAs & 90+ PD/ Assets 0.56 0.60 0.66 0.82 0.70
NPAs/ Loans & REO 0.85 0.89 0.99 1.25 1.06
Nonaccrual & 90+ & OREO/ Assets 0.53 0.56 0.59 0.70 0.56
NPAs & 90+ PD/ Loans & REO 0.86 0.90 1 1.25 1.06
NPA & Loans 90+/ Tangible Common Equity + LLR 6.11 7.18 8.36 10.55 10.55
NCOs/ Avg Loans 0.12 0.25 0.24 0.11 0.12
Loan Loss Reserves/ Gross Loans 0.81 0.82 0.87 1 0.96
Reserves/ NPAs 94.95 92.23 87.16 80.14 90.43
Loan Loss Provision/ NCO 140.44 135.39 109.59 193.13 232.50
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,051,258 933,755 760,788 639,467 487,132
Tier 1 Capital($000) 1,198,688 1,064,669 883,612 756,056 683,706
Tier 2 Capital($000) 138,285 136,278 130,983 131,551 128,862
Total Capital($000) 1,336,973 1,200,947 1,014,595 887,607 812,568
Total Risk-weighted Assets($000) 9,056,123 8,756,130 7,511,544 6,335,807 5,916,027
Tier 1 Common Capital (CET1) Ratio(%) 11.61 10.66 10.13 10.09 8.24
Tier 1 Ratio(%) 13.24 12.16 11.76 11.93 11.56
Total Capital Ratio(%) 14.76 13.72 13.51 14.01 13.74
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.66 9.73 9.25 9.28 9.58
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 36,690,061 34,477,499 29,953,356 26,119,929 22,435,693
Avg Diluted Shares(actual) 35,295,407 33,213,148 28,425,652 24,873,430 20,929,385
Basic Book Value per Share 41.48 38.44 33.07 28.31 25.92
Book Value per Share, As Reported 41.48 38.44 33.07 28.31 25.92
Basic Tangible Book Value per Share 28.36 25.65 23.99 22.55 20.57
Tangible Book Value per Share, As Reported 28.40 25.70 23.99 22.55 20.57
Common Dividends Declared per Share 0.32 0.59 0.62 0.50 0.45
EPS after Extra 2.17 3.52 2.65 3.22 2.83
EPS after Extra Growth(%) 34.80 32.80 (17.70) 13.80 29.20
Core EPS 1.74 3.80 3.05 3.09 2.58
Core EPS Growth(%) (2.20) 24.40 (1) 19.50 20.60
Diluted EPS before Amortization 2.34 3.80 2.86 3.45 2.97
Pre-Provision Earnings per Share 1.78 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.