Investor Relations

Financial Highlights

Financial Highlights
2016 FY
12/31/2016
2017 FY
12/31/2017
2018 FY
12/31/2018
2019 FY
12/31/2019
2020 FQ2 YTD
6/30/2020
Balance Sheet ($000)
Total Assets 6,370,448 7,082,384 8,007,382 8,947,653 11,012,195
Total Net Loans 4,864,552 5,796,314 6,465,019 7,191,179 8,238,359
Total Deposits 5,420,311 6,091,674 6,915,708 7,530,433 9,342,918
Equity Attributable to Parent Company 522,512 607,102 714,701 842,180 914,086
Total Equity 522,889 607,604 715,203 842,682 914,588
Profitability (%)
Net Income($000) 81,479 93,092 136,940 149,243 75,226
Net Income Attributable to Parent($000) 81,479 93,092 136,940 149,243 75,226
ROAA 1.42 1.43 1.88 1.73 1.54
Core ROAA 1.41 1.49 1.88 1.73 1.54
ROAE 16.64 16.38 20.96 19.16 17.27
ROATCE 17.26 16.90 21.36 19.56 17.40
Core ROAE 16.55 17.06 20.87 19.21 17.13
Net Interest Margin 3.42 3.68 3.75 3.46 3.42
Reported: Net Interest Margin 3.42 3.68 3.75 3.46 3.44
Efficiency Ratio 38.49 33.74 32.16 32.54 31.31
Noninterest Inc/ Operating Rev 7.69 7.08 6.83 7.65 7.84
Balance Sheet Ratios (%)
Loans/ Deposits 90.62 96.05 94.47 96.43 89
Securities/ Assets 7.63 7.62 7.38 8.49 NA
Total Equity/ Total Assets 8.21 8.58 8.93 9.42 8.31
Tangible Equity/ Tangible Assets 7.99 8.39 8.77 9.27 8.19
Tang Common Equity/ Tang Assets 7.99 8.38 8.76 9.27 8.18
Asset Quality (%)
NPAs/ Assets 0.25 0.49 0.38 0.43 0.22
NPA Excl Restructured/ Assets 0.25 0.25 0.34 0.43 0.21
NPAs & 90+ PD/ Assets 0.35 0.49 0.45 0.50 0.27
NPAs/ Loans & REO 0.33 0.59 0.46 0.53 0.29
Nonaccrual & 90+ & OREO/ Assets 0.34 0.25 0.41 0.49 0.26
NPAs & 90+ PD/ Loans & REO 0.46 0.59 0.55 0.62 0.35
NPA & Loans 90+/ Tangible Common Equity + LLR 4.01 5.29 4.68 4.97 2.98
NCOs/ Avg Loans 0.11 0.29 0.20 0.32 0.23
Loan Loss Reserves/ Gross Loans 1.06 1.01 1.05 1.05 1.10
Reserves/ NPAs 320.92 172.62 227.39 196.91 375.14
Loan Loss Provision/ NCO 272.10 147.82 175.31 102.62 266.85
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 508,982 593,111 705,203 822,396 881,539
Tier 1 Capital($000) 509,359 593,613 705,705 822,896 882,041
Tier 2 Capital($000) 107,056 124,538 133,766 141,787 156,722
Total Capital($000) 616,415 718,151 839,471 964,683 1,038,763
Total Risk-weighted Assets($000) 5,205,835 6,234,504 6,968,095 7,834,541 7,828,943
Tier 1 Common Capital (CET1) Ratio(%) 9.78 9.51 10.12 10.50 11.26
Tier 1 Ratio(%) 9.78 9.52 10.13 10.50 11.27
Total Capital Ratio(%) 11.84 11.52 12.05 12.31 13.27
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.22 8.51 9.08 9.13 9.24
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 52,636,896 52,992,586 53,375,195 53,623,740 53,874,276
Avg Diluted Shares(actual) 53,608,372 54,123,957 54,169,879 54,103,074 54,180,960
Basic Book Value per Share 9.93 11.46 13.39 15.71 16.97
Book Value per Share, As Reported 9.93 11.47 13.40 15.71 16.98
Basic Tangible Book Value per Share 9.64 11.18 13.12 15.44 16.71
Tangible Book Value per Share, As Reported 9.65 11.19 13.13 15.45 16.72
Common Dividends Declared per Share 0.16 0.20 0.48 0.63 0.35
EPS after Extra 1.52 1.72 2.53 2.76 1.39
EPS after Extra Growth(%) 27.20 13.20 47.10 9.10 6.10
Core EPS 1.51 1.78 2.53 2.76 1.39
Core EPS Growth(%) 23 18.40 41.80 9.20 6.10
Diluted EPS before Amortization 1.53 1.73 2.53 2.76 1.39
Pre-Provision Earnings per Share 1.49 1.93 2.77 3.06 1.72
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.