Investor Relations

Financial Highlights

Financial Highlights
2014 FY
12/31/2014
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
Balance Sheet ($000)
Total Assets 4,098,679 5,095,509 6,370,448 7,082,384 8,007,382
Total Net Loans 3,330,213 4,181,205 4,864,552 5,796,314 6,465,019
Total Deposits 3,398,160 4,223,888 5,420,311 6,091,674 6,915,708
Equity Attributable to Parent Company 406,961 448,770 522,512 607,102 714,701
Total Equity 407,213 449,147 522,889 607,604 715,203
Profitability (%)
Net Income($000) 52,379 63,540 81,479 93,092 136,940
Net Income Attributable to Parent($000) 52,377 63,540 81,479 93,092 136,940
ROAA 1.39 1.38 1.42 1.43 1.88
Core ROAA 1.39 1.42 1.41 1.49 1.88
ROAE 14.55 14.56 16.64 16.38 20.96
ROATCE 16.23 15.95 17.26 16.90 21.36
Core ROAE 14.58 14.85 16.55 17.06 20.87
Net Interest Margin 3.68 3.75 3.42 3.68 3.75
Reported: Net Interest Margin 3.68 3.75 3.42 3.68 3.75
Efficiency Ratio 38.53 39.19 38.49 33.74 32.16
Noninterest Inc/ Operating Rev 7.66 7.33 7.69 7.08 6.83
Balance Sheet Ratios (%)
Loans/ Deposits 98.87 99.82 90.62 96.05 94.47
Securities/ Assets 8.09 7.37 7.63 7.62 7.38
Total Equity/ Total Assets 9.94 8.81 8.21 8.58 8.93
Tangible Equity/ Tangible Assets 9.94 8.54 7.99 8.39 8.77
Tang Common Equity/ Tang Assets 8.95 8.53 7.99 8.38 8.76
Asset Quality (%)
NPAs/ Assets 0.59 0.39 0.25 0.49 0.38
NPA Excl Restructured/ Assets 0.39 0.26 0.25 0.25 0.34
NPAs & 90+ PD/ Assets 0.61 0.39 0.35 0.49 0.45
NPAs/ Loans & REO 0.72 0.47 0.33 0.59 0.46
Nonaccrual & 90+ & OREO/ Assets 0.41 0.26 0.34 0.25 0.41
NPAs & 90+ PD/ Loans & REO 0.75 0.47 0.46 0.59 0.55
NPA & Loans 90+/ Tangible Common Equity + LLR 6.25 4.20 4.01 5.29 4.68
NCOs/ Avg Loans 0.17 0.13 0.11 0.29 0.20
Loan Loss Reserves/ Gross Loans 1.06 1.03 1.06 1.01 1.05
Reserves/ NPAs 146.88 216.78 320.92 172.62 227.39
Loan Loss Provision/ NCO 193.82 254.04 272.10 147.82 175.31
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 362,513 431,642 508,982 593,111 705,203
Tier 1 Capital($000) 402,471 432,019 509,359 593,613 705,705
Tier 2 Capital($000) NA 98,669 107,056 124,538 133,766
Total Capital($000) 458,073 530,688 616,415 718,151 839,471
Total Risk-weighted Assets($000) 3,424,291 4,440,798 5,205,835 6,234,504 6,968,095
Tier 1 Common Capital (CET1) Ratio(%) 10.59 9.72 9.78 9.51 10.12
Tier 1 Ratio(%) 11.75 9.73 9.78 9.52 10.13
Total Capital Ratio(%) 13.38 11.95 11.84 11.52 12.05
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.91 8.55 8.22 8.51 9.08
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 49,603,036 51,945,396 52,636,896 52,992,586 53,375,195
Avg Diluted Shares(actual) 49,636,442 52,885,108 53,608,372 54,123,957 54,169,879
Basic Book Value per Share 7.40 8.64 9.93 11.46 13.39
Book Value per Share, As Reported 7.41 8.65 9.93 11.47 13.40
Basic Tangible Book Value per Share 7.40 8.34 9.64 11.18 13.12
Tangible Book Value per Share, As Reported 7.41 8.35 9.65 11.19 13.13
Common Dividends Declared per Share 0.08 0.12 0.16 0.20 0.48
EPS after Extra 1.05 1.20 1.52 1.72 2.53
EPS after Extra Growth(%) 10.20 14.40 27.20 13.20 47.10
Core EPS 1.04 1.22 1.51 1.78 2.53
Core EPS Growth(%) 10.40 17.20 23 18.40 41.80
Diluted EPS before Amortization 1.05 1.20 1.53 1.73 2.53
Pre-Provision Earnings per Share 1.09 1.27 1.49 1.93 2.77
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.