Financial Highlights
Financial Highlights
2019 FQ3 YTD
9/30/2019
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 17,764,277 11,443,515 7,856,203 6,892,031 5,588,940
Total Net Loans 13,978,305 8,594,393 6,218,006 5,346,330 3,999,043
Total Deposits 13,659,594 9,649,313 6,625,845 5,575,163 4,879,290
Equity Attributable to Parent Company 2,420,723 1,456,347 804,479 646,437 514,759
Total Equity 2,420,723 1,456,347 804,479 646,437 514,759
Profitability (%)
Net Income($000) 100,193 121,027 73,548 72,100 40,847
Net Income Attributable to Parent($000) 100,193 121,027 73,548 72,100 40,847
ROAA 0.99 1.24 1 1.17 0.85
Core ROAA 1.60 1.57 1.28 1.34 1.16
ROAE 7.37 10.27 9.55 11.75 8.30
ROATCE 12.37 17.01 12.09 15.76 10.85
Core ROAE 11.92 12.98 12.19 13.49 11.31
Net Interest Margin 3.88 3.92 3.95 3.99 4.12
Reported: Net Interest Margin 3.89 3.92 3.95 3.99 4.12
Efficiency Ratio 54.18 54.10 59.49 59.93 60.88
Noninterest Inc/ Operating Rev 28.37 25.65 28.64 32.52 32.74
Balance Sheet Ratios (%)
Loans/ Deposits 93.90 88.21 91.25 94.42 80.11
Securities/ Assets 8.77 10.55 10.86 12.36 14.18
Total Equity/ Total Assets 13.63 12.73 10.24 9.38 9.21
Tangible Equity/ Tangible Assets 8.43 8.22 8.62 7.46 7.44
Tang Common Equity/ Tang Assets 8.43 8.22 8.62 7.46 7.44
Asset Quality (%)
NPAs/ Assets 0.78 0.72 1.03 1.22 1.51
NPA Excl Restructured/ Assets 0.60 0.47 0.58 0.85 1.09
NPAs & 90+ PD/ Assets 0.81 0.76 1.10 1.22 1.51
NPAs/ Loans & REO 0.99 0.96 1.30 1.57 2.16
Nonaccrual & 90+ & OREO/ Assets 0.63 0.51 0.66 0.85 1.09
NPAs & 90+ PD/ Loans & REO 1.03 1.01 1.39 1.57 2.16
NPA & Loans 90+/ Tangible Common Equity + LLR 9.97 9.39 12.55 15.92 19.70
NCOs/ Avg Loans 0.09 0.18 0.11 0.05 0.15
Loan Loss Reserves/ Gross Loans 0.25 0.33 0.41 0.45 0.52
Reserves/ NPAs 25.75 34.97 31.93 28.49 24.94
Loan Loss Provision/ NCO 191.26 122.20 128.82 168.08 114.24
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,395,011 895,433 658,529 476,806 403,322
Tier 1 Capital($000) 1,395,011 984,620 741,159 555,447 462,961
Tier 2 Capital($000) 312,706 102,744 99,586 23,920 21,062
Total Capital($000) 1,707,717 1,087,364 840,745 579,367 484,023
Total Risk-weighted Assets($000) 14,314,776 8,891,600 6,398,963 5,512,898 4,292,741
Tier 1 Common Capital (CET1) Ratio(%) 9.75 10.07 10.29 8.65 9.40
Tier 1 Ratio(%) 9.75 11.07 11.58 10.08 10.78
Total Capital Ratio(%) 11.04 12.23 13.14 10.51 11.28
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.55 9.17 9.71 8.68 8.70
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 69,593,833 47,499,941 37,260,012 34,921,474 32,211,385
Avg Diluted Shares(actual) 54,883,122 43,247,796 37,144,139 34,701,732 32,126,667
Basic Book Value per Share 34.78 30.66 21.59 18.51 15.98
Book Value per Share, As Reported 34.78 30.66 21.59 18.51 15.98
Basic Tangible Book Value per Share 20.29 18.83 17.86 14.42 12.65
Tangible Book Value per Share, As Reported 20.29 18.83 17.86 14.42 12.65
Common Dividends Declared per Share 0.35 0.40 0.40 0.30 0.20
EPS after Extra 1.83 2.80 1.98 2.08 1.27
EPS after Extra Growth(%) (1.10) 41.40 (4.80) 63.80 (13)
Core EPS 2.96 3.54 2.53 2.39 1.73
Core EPS Growth(%) 20.60 39.90 5.90 37.90 8.50
Diluted EPS before Amortization 2.05 3.02 2.09 2.21 1.39
Pre-Provision Earnings per Share 3.03 3.64 2.43 2.28 1.64
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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