Financial Highlights
Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 18,224,548 18,242,579 11,443,515 7,856,203 6,892,031
Total Net Loans 14,342,811 14,436,998 8,594,393 6,218,006 5,346,330
Total Deposits 13,844,618 14,027,073 9,649,313 6,625,845 5,575,163
Equity Attributable to Parent Company 2,437,150 2,469,582 1,456,347 804,479 646,437
Total Equity 2,437,150 2,469,582 1,456,347 804,479 646,437
Profitability (%)
Net Income($000) 19,322 161,441 121,027 73,548 72,100
Net Income Attributable to Parent($000) 19,322 161,441 121,027 73,548 72,100
ROAA 0.43 1.10 1.24 1 1.17
Core ROAA 0.57 1.58 1.57 1.28 1.34
ROAE 3.15 8.19 10.27 9.55 11.75
ROATCE 6.62 14.12 17.01 12.09 15.76
Core ROAE 4.20 11.71 12.98 12.19 13.49
Net Interest Margin 3.68 3.88 3.92 3.95 3.99
Reported: Net Interest Margin 3.70 3.88 3.92 3.95 3.99
Efficiency Ratio 63.42 53.98 54.10 59.49 59.93
Noninterest Inc/ Operating Rev 26.88 27.79 25.65 28.64 32.52
Balance Sheet Ratios (%)
Loans/ Deposits 94.58 91.38 88.21 91.25 94.42
Securities/ Assets 7.87 8.06 10.55 10.86 12.36
Total Equity/ Total Assets 13.37 13.54 12.73 10.24 9.38
Tangible Equity/ Tangible Assets 8.25 8.40 8.22 8.62 7.46
Tang Common Equity/ Tang Assets 8.25 8.40 8.22 8.62 7.46
Asset Quality (%)
NPAs/ Assets NA 0.58 0.72 1.03 1.22
NPA Excl Restructured/ Assets NA 0.42 0.47 0.58 0.85
NPAs & 90+ PD/ Assets NA 0.62 0.76 1.10 1.22
NPAs/ Loans & REO NA 0.74 0.96 1.30 1.57
Nonaccrual & 90+ & OREO/ Assets NA 0.45 0.51 0.66 0.85
NPAs & 90+ PD/ Loans & REO NA 0.78 1.01 1.39 1.57
NPA & Loans 90+/ Tangible Common Equity + LLR NA 7.58 9.39 12.55 15.92
NCOs/ Avg Loans 0.12 0.09 0.18 0.11 0.05
Loan Loss Reserves/ Gross Loans 1.03 0.26 0.33 0.41 0.45
Reserves/ NPAs NA 35.79 34.97 31.93 28.49
Loan Loss Provision/ NCO NM 190.20 122.20 128.82 168.08
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,448,827 1,437,991 895,433 658,529 476,806
Tier 1 Capital($000) 1,448,827 1,437,991 984,620 741,159 555,447
Tier 2 Capital($000) 459,662 436,826 102,744 99,586 23,920
Total Capital($000) 1,908,489 1,874,817 1,087,364 840,745 579,367
Total Risk-weighted Assets($000) 14,750,481 14,531,141 8,891,600 6,398,963 5,512,898
Tier 1 Common Capital (CET1) Ratio(%) 9.82 9.90 10.07 10.29 8.65
Tier 1 Ratio(%) 9.82 9.90 11.07 11.58 10.08
Total Capital Ratio(%) 12.94 12.90 12.23 13.14 10.51
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.48 8.48 9.17 9.71 8.68
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 69,441,274 69,503,833 47,499,941 37,260,012 34,921,474
Avg Diluted Shares(actual) 69,502,022 58,614,151 43,247,796 37,144,139 34,701,732
Basic Book Value per Share 35.10 35.53 30.66 21.59 18.51
Book Value per Share, As Reported 35.10 35.53 30.66 21.59 18.51
Basic Tangible Book Value per Share 20.44 20.81 18.83 17.86 14.42
Tangible Book Value per Share, As Reported 20.44 20.81 18.83 17.86 14.42
Common Dividends Declared per Share 0.15 0.50 0.40 0.40 0.30
EPS after Extra 0.28 2.75 2.80 1.98 2.08
EPS after Extra Growth(%) (66.70) (1.80) 41.40 (4.80) 63.80
Core EPS 0.37 3.93 3.54 2.53 2.39
Core EPS Growth(%) (59.70) 11.10 39.90 5.90 37.90
Diluted EPS before Amortization 0.36 3.05 3.02 2.09 2.21
Pre-Provision Earnings per Share 0.76 4.06 3.64 2.43 2.28
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.
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