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 14,265,870 13,683,572 13,365,786 12,738,062 11,867,001
Total Net Loans 8,756,904 8,264,218 8,107,469 7,840,490 7,074,642
Total Deposits 8,463,079 8,536,156 7,978,119 7,063,811 6,952,683
Equity Attributable to Parent Company 2,027,281 1,949,470 1,912,081 1,870,509 1,736,954
Total Equity 2,051,805 1,973,893 1,914,807 1,874,520 1,738,125
Profitability (%)
Net Income($000) 99,568 125,727 133,144 147,944 212,579
Net Income Attributable to Parent($000) 96,597 121,441 132,544 145,894 210,973
ROAA 1.47 0.93 1.03 1.21 1.70
Core ROAA 1.46 1.07 1.34 1.32 1.47
ROAE 9.96 6.51 7.02 8.23 12.41
ROATCE 12.09 7.92 8.61 10.21 16.11
Core ROAE 9.97 7.55 9.19 8.98 10.74
Net Interest Margin 3.56 3.56 3.63 3.71 3.74
Reported: Net Interest Margin 3.59 3.56 3.63 3.71 3.74
Efficiency Ratio 83.08 86.56 82.82 82.33 83.43
Noninterest Inc/ Operating Rev 72.23 70.15 74.07 76.40 73.65
Balance Sheet Ratios (%)
Loans/ Deposits 85.11 81.19 80.92 86.35 80.37
Securities/ Assets 14 14.56 13.86 10.38 10.98
Total Equity/ Total Assets 14.38 14.43 14.33 14.72 14.65
Tangible Equity/ Tangible Assets 12.38 12.31 12.44 12.68 12.38
Tang Common Equity/ Tang Assets 12.21 12.13 12.42 12.65 12.37
Asset Quality (%)
NPAs/ Assets 0.39 0.46 0.34 0.25 0.23
NPA Excl Restructured/ Assets 0.37 0.45 0.33 0.24 0.21
NPAs & 90+ PD/ Assets 0.39 0.46 0.35 0.27 0.23
NPAs/ Loans & REO 0.62 0.75 0.57 0.41 0.40
Nonaccrual & 90+ & OREO/ Assets 0.37 0.45 0.34 0.26 0.21
NPAs & 90+ PD/ Loans & REO 0.62 0.75 0.58 0.45 0.40
NPA & Loans 90+/ Tangible Common Equity + LLR 3.13 3.75 2.76 2.11 1.82
NCOs/ Avg Loans 0.11 0.12 0.06 0.48 0.06
Loan Loss Reserves/ Gross Loans 0.63 0.71 0.78 0.69 0.66
Reserves/ NPAs 100.29 94.52 138.81 174.63 174.80
Loan Loss Provision/ NCO 6.08 54.78 307.90 123.20 334.69
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,700,823 1,634,978 1,639,009 1,602,400 1,469,642
Tier 1 Capital($000) 1,747,412 1,680,364 1,688,358 1,652,101 1,520,514
Tier 2 Capital($000) 39,029 42,238 49,967 41,139 33,353
Total Capital($000) 1,786,441 1,722,602 1,738,325 1,693,240 1,553,867
Total Risk-weighted Assets($000) 10,421,710 9,858,775 9,255,733 8,754,900 8,225,684
Tier 1 Common Capital (CET1) Ratio(%) 16.32 16.58 17.71 18.30 17.87
Tier 1 Ratio(%) 16.77 17.04 18.24 18.87 18.48
Total Capital Ratio(%) 17.14 17.47 18.78 19.34 18.89
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 13 12.53 12.94 13.51 12.65
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 92,775,411 93,610,217 95,982,184 98,543,774 98,896,184
Avg Diluted Shares(actual) 93,534,000 95,067,000 97,353,000 98,629,000 99,962,000
Basic Book Value per Share 21.85 20.83 19.92 18.98 17.56
Book Value per Share, As Reported 21.85 20.83 19.92 18.98 17.56
Basic Tangible Book Value per Share 18.34 17.31 16.92 15.97 14.46
Tangible Book Value per Share, As Reported 18.34 17.31 16.92 15.97 14.46
Common Dividends Declared per Share 0.16 0.28 0.24 0.06 0
EPS after Extra 1.03 1.28 1.36 1.48 2.09
EPS after Extra Growth(%) 71.70 (5.90) (8.10) (29.20) 78.60
Core EPS 1.02 1.48 1.78 1.61 1.80
Core EPS Growth(%) 56.20 (16.60) 10.20 (10.50) 44.20
Diluted EPS before Amortization 1.07 1.37 1.44 1.58 2.21
Pre-Provision Earnings per Share 1.05 1.51 1.79 1.86 1.54
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