Financial Highlights Report

Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 11,335,132 9,810,739 8,247,079 7,694,754 6,051,812
Total Net Loans 7,381,999 6,380,338 5,358,656 5,027,584 3,907,068
Total Deposits 9,562,475 8,146,909 6,847,411 6,405,823 4,768,022
Equity Attributable to Parent Company 1,280,393 991,457 740,916 663,173 496,317
Total Equity 1,280,393 991,457 740,916 663,173 496,317
Profitability (%)
Net Income($000) 84,857 75,272 80,349 60,042 41,900
Net Income Attributable to Parent($000) 84,857 75,272 80,349 60,042 41,900
ROAA 1.07 0.84 0.98 0.89 0.72
Core ROAA 1.16 0.96 0.94 0.81 0.70
ROAE 9.92 8.63 11.52 10.38 8.94
ROATCE 15.65 11.85 15.79 14.39 12.46
Core ROAE 10.78 9.94 11.04 9.48 8.74
Net Interest Margin 4.28 4.19 4.10 3.94 3.93
Reported: Net Interest Margin 4.32 4.22 4.13 3.97 3.96
Efficiency Ratio 65.41 65.53 66.73 72.01 73.16
Noninterest Inc/ Operating Rev 21.05 22.11 25.76 29.58 27.89
Balance Sheet Ratios (%)
Loans/ Deposits 77.02 78.45 78.16 78.08 81.33
Securities/ Assets 22.42 25.41 25.84 24.42 28.21
Total Equity/ Total Assets 11.30 10.11 8.98 8.62 8.20
Tangible Equity/ Tangible Assets 7.70 7.54 7.29 7.17 7.52
Tang Common Equity/ Tang Assets 7.70 7.53 7.28 6.09 6.16
Asset Quality (%)
NPAs/ Assets 0.64 0.65 0.82 0.70 0.91
NPA Excl Restructured/ Assets 0.61 0.58 0.70 0.56 0.71
NPAs & 90+ PD/ Assets 0.64 0.66 0.82 0.70 0.91
NPAs/ Loans & REO 0.98 0.99 1.25 1.06 1.39
Nonaccrual & 90+ & OREO/ Assets 0.61 0.59 0.70 0.56 0.71
NPAs & 90+ PD/ Loans & REO 0.98 1 1.25 1.06 1.39
NPA & Loans 90+/ Tangible Common Equity + LLR 8.12 8.36 10.55 10.55 13.40
NCOs/ Avg Loans 0.17 0.24 0.11 0.12 0.39
Loan Loss Reserves/ Gross Loans 0.82 0.87 1 0.96 1.05
Reserves/ NPAs 83.93 87.16 80.14 90.43 75.14
Loan Loss Provision/ NCO 162.92 109.59 193.13 232.50 98.31
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 904,576 760,788 639,467 487,132 371,801
Tier 1 Capital($000) 1,035,524 883,612 756,056 683,706 578,564
Tier 2 Capital($000) NA 130,983 131,551 128,862 NA
Total Capital($000) 1,170,779 1,014,595 887,607 812,568 703,032
Total Risk-weighted Assets($000) 8,615,005 7,511,544 6,335,807 5,916,027 4,468,914
Tier 1 Common Capital (CET1) Ratio(%) 10.50 10.13 10.09 8.24 8.32
Tier 1 Ratio(%) 12.02 11.76 11.93 11.56 12.95
Total Capital Ratio(%) 13.59 13.51 14.01 13.74 15.73
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.53 9.25 9.28 9.58 9.75
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 34,473,029 29,953,356 26,119,929 22,435,693 18,511,125
Avg Diluted Shares(actual) 32,707,481 28,425,652 24,873,430 20,929,385 18,741,921
Basic Book Value per Share 37.14 33.07 28.31 25.92 22.40
Book Value per Share, As Reported 37.14 33.07 28.31 25.92 22.40
Basic Tangible Book Value per Share 24.33 23.99 22.55 20.57 19.99
Tangible Book Value per Share, As Reported 24.33 23.99 22.55 20.57 19.99
Common Dividends Declared per Share 0.40 0.51 0.50 0.45 0.40
EPS after Extra 2.59 2.65 3.22 2.83 2.19
EPS after Extra Growth(%) 17.20 (17.70) 13.80 29.20 7.40
Core EPS 2.81 3.05 3.09 2.58 2.14
Core EPS Growth(%) 24.10 (1) 19.50 20.60 18.10
Diluted EPS before Amortization 2.80 2.86 3.45 2.97 2.31
Pre-Provision Earnings per Share 2.97 2.98 3.07 2.53 2.24
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.