Financial Highlights
2018 FY
12/31/2018
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 11,443,515 7,856,203 6,892,031 5,588,940 4,037,077
Total Net Loans 8,594,393 6,218,006 5,346,330 3,999,043 2,909,001
Total Deposits 9,649,313 6,625,845 5,575,163 4,879,290 3,431,149
Equity Attributable to Parent Company 1,456,347 804,479 646,437 514,759 366,028
Total Equity 1,456,347 804,479 646,437 514,759 366,028
Profitability (%)
Net Income($000) 121,027 73,548 72,100 40,847 38,723
Net Income Attributable to Parent($000) 121,027 73,548 72,100 40,847 38,723
ROAA 1.24 1 1.17 0.85 1.04
Core ROAA 1.57 1.28 1.34 1.16 1.13
ROAE 10.27 9.55 11.75 8.30 12.24
ROATCE 17.01 12.09 15.76 10.85 14.80
Core ROAE 12.98 12.19 13.49 11.31 13.37
Net Interest Margin 3.92 3.95 3.99 4.12 4.59
Reported: Net Interest Margin 3.92 3.95 3.99 4.12 4.59
Efficiency Ratio 54.10 59.49 59.93 60.88 65.47
Noninterest Inc/ Operating Rev 25.65 28.64 32.52 32.74 29.49
Balance Sheet Ratios (%)
Loans/ Deposits 88.21 91.25 94.42 80.11 82.64
Securities/ Assets 10.55 10.86 12.36 14.18 13.68
Total Equity/ Total Assets 12.73 10.24 9.38 9.21 9.07
Tangible Equity/ Tangible Assets 8.22 8.62 7.46 7.44 7.42
Tang Common Equity/ Tang Assets 8.22 8.62 7.46 7.44 7.42
Asset Quality (%)
NPAs/ Assets 0.72 1.03 1.22 1.51 2.54
NPA Excl Restructured/ Assets 0.47 0.58 0.85 1.09 2.20
NPAs & 90+ PD/ Assets 0.76 1.10 1.22 1.51 2.54
NPAs/ Loans & REO 0.96 1.30 1.57 2.16 3.79
Nonaccrual & 90+ & OREO/ Assets 0.51 0.66 0.85 1.09 2.20
NPAs & 90+ PD/ Loans & REO 1.01 1.39 1.57 2.16 3.79
NPA & Loans 90+/ Tangible Common Equity + LLR 9.39 12.55 15.92 19.70 32.56
NCOs/ Avg Loans 0.18 0.11 0.05 0.15 0.25
Loan Loss Reserves/ Gross Loans 0.33 0.41 0.45 0.52 0.72
Reserves/ NPAs 34.97 31.93 28.49 24.94 20.60
Loan Loss Provision/ NCO 122.20 128.82 168.08 114.24 95.07
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 895,433 658,529 476,806 403,322 288,162
Tier 1 Capital($000) 984,620 741,159 555,447 462,961 352,153
Tier 2 Capital($000) 102,744 99,586 23,920 21,062 NA
Total Capital($000) 1,087,364 840,745 579,367 484,023 373,310
Total Risk-weighted Assets($000) 8,891,900 6,398,963 5,512,898 4,292,741 2,781,966
Tier 1 Common Capital (CET1) Ratio(%) 10.07 10.29 8.65 9.40 10.36
Tier 1 Ratio(%) 11.07 11.58 10.08 10.78 12.66
Total Capital Ratio(%) 12.23 13.14 10.51 11.28 13.42
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.17 9.71 8.68 8.70 8.94
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 47,499,941 37,260,012 34,921,474 32,211,385 26,773,863
Avg Diluted Shares(actual) 43,247,796 37,144,139 34,701,732 32,126,667 26,259,030
Basic Book Value per Share 30.66 21.59 18.51 15.98 13.67
Book Value per Share, As Reported 30.66 21.59 18.51 15.98 13.67
Basic Tangible Book Value per Share 18.83 17.86 14.42 12.65 10.99
Tangible Book Value per Share, As Reported 18.83 17.86 14.42 12.65 10.99
Common Dividends Declared per Share 0.40 0.40 0.30 0.20 0.15
EPS after Extra 2.80 1.98 2.08 1.27 1.46
EPS after Extra Growth(%) 41.40 (4.80) 63.80 (13) 94.70
Core EPS 3.54 2.53 2.39 1.73 1.60
Core EPS Growth(%) 39.90 5.90 37.90 8.50 76.50
Diluted EPS before Amortization 3.02 2.09 2.21 1.39 1.55
Pre-Provision Earnings per Share 3.64 2.43 2.28 1.64 1.59
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