Investor Relations

Financial Highlights

Financial Highlights
2015 FY
12/31/2015
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FQ2 YTD
6/30/2019
Balance Sheet ($000)
Total Assets 5,095,509 6,370,448 7,082,384 8,007,382 8,740,237
Total Net Loans 4,181,205 4,864,552 5,796,314 6,465,019 6,905,946
Total Deposits 4,223,888 5,420,311 6,091,674 6,915,708 7,404,794
Equity Attributable to Parent Company 448,770 522,512 607,102 714,701 778,455
Total Equity 449,147 522,889 607,604 715,203 778,957
Profitability (%)
Net Income($000) 63,540 81,479 93,092 136,940 70,643
Net Income Attributable to Parent($000) 63,540 81,479 93,092 136,940 70,643
ROAA 1.38 1.42 1.43 1.88 1.70
Core ROAA 1.42 1.41 1.49 1.88 1.71
ROAE 14.56 16.64 16.38 20.96 18.91
ROATCE 15.95 17.26 16.90 21.36 19.34
Core ROAE 14.85 16.55 17.06 20.87 18.97
Net Interest Margin 3.75 3.42 3.68 3.75 3.47
Reported: Net Interest Margin 3.75 3.42 3.68 3.75 3.50
Efficiency Ratio 39.19 38.49 33.74 32.16 34.06
Noninterest Inc/ Operating Rev 7.33 7.69 7.08 6.83 7.17
Balance Sheet Ratios (%)
Loans/ Deposits 99.82 90.62 96.05 94.47 94.10
Securities/ Assets 7.37 7.63 7.62 7.38 7.54
Total Equity/ Total Assets 8.81 8.21 8.58 8.93 8.91
Tangible Equity/ Tangible Assets 8.54 7.99 8.39 8.77 8.76
Tang Common Equity/ Tang Assets 8.53 7.99 8.38 8.76 8.76
Asset Quality (%)
NPAs/ Assets 0.39 0.25 0.49 0.38 0.35
NPA Excl Restructured/ Assets 0.26 0.25 0.25 0.34 0.31
NPAs & 90+ PD/ Assets 0.39 0.35 0.49 0.45 0.46
NPAs/ Loans & REO 0.47 0.33 0.59 0.46 0.43
Nonaccrual & 90+ & OREO/ Assets 0.26 0.34 0.25 0.41 0.43
NPAs & 90+ PD/ Loans & REO 0.47 0.46 0.59 0.55 0.58
NPA & Loans 90+/ Tangible Common Equity + LLR 4.20 4.01 5.29 4.68 4.85
NCOs/ Avg Loans 0.13 0.11 0.29 0.20 0.21
Loan Loss Reserves/ Gross Loans 1.03 1.06 1.01 1.05 1.02
Reserves/ NPAs 216.78 320.92 172.62 227.39 236.14
Loan Loss Provision/ NCO 254.04 272.10 147.82 175.31 139.90
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 431,642 508,982 593,111 705,203 759,998
Tier 1 Capital($000) 432,019 509,359 593,613 705,705 760,500
Tier 2 Capital($000) 98,669 107,056 124,538 133,766 136,570
Total Capital($000) 530,688 616,415 718,151 839,471 897,070
Total Risk-weighted Assets($000) 4,440,798 5,205,835 6,234,504 6,968,095 7,465,670
Tier 1 Common Capital (CET1) Ratio(%) 9.72 9.78 9.51 10.12 10.18
Tier 1 Ratio(%) 9.73 9.78 9.52 10.13 10.19
Total Capital Ratio(%) 11.95 11.84 11.52 12.05 12.02
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.55 8.22 8.51 9.08 9
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 51,945,396 52,636,896 52,992,586 53,375,195 53,526,882
Avg Diluted Shares(actual) 52,885,108 53,608,372 54,123,957 54,169,879 54,082,857
Basic Book Value per Share 8.64 9.93 11.46 13.39 14.54
Book Value per Share, As Reported 8.65 9.93 11.47 13.40 14.55
Basic Tangible Book Value per Share 8.34 9.64 11.18 13.12 14.28
Tangible Book Value per Share, As Reported 8.35 9.65 11.19 13.13 14.29
Common Dividends Declared per Share 0.12 0.16 0.20 0.48 0.30
EPS after Extra 1.20 1.52 1.72 2.53 1.31
EPS after Extra Growth(%) 14.40 27.20 13.20 47.10 7.40
Core EPS 1.22 1.51 1.78 2.53 1.31
Core EPS Growth(%) 17.20 23 18.40 41.80 7.40
Diluted EPS before Amortization 1.20 1.53 1.73 2.53 1.31
Pre-Provision Earnings per Share 1.27 1.49 1.93 2.77 1.44
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.