Financial Highlights
2018 FQ2 YTD
6/30/2018
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 11,190,697 7,856,203 6,892,031 5,588,940 4,037,077
Total Net Loans 8,596,251 6,218,006 5,346,330 3,999,043 2,909,001
Total Deposits 8,761,593 6,625,845 5,575,163 4,879,290 3,431,149
Equity Attributable to Parent Company 1,371,896 804,479 646,437 514,759 366,028
Total Equity 1,371,896 804,479 646,437 514,759 366,028
Profitability (%)
Net Income($000) 36,047 73,548 72,100 40,847 38,723
Net Income Attributable to Parent($000) 36,047 73,548 72,100 40,847 38,723
ROAA 0.88 1 1.17 0.85 1.04
Core ROAA 1.42 1.28 1.34 1.16 1.13
ROAE 7.66 9.55 11.75 8.30 12.24
ROATCE 11.74 12.09 15.76 10.85 14.80
Core ROAE 12.34 12.19 13.49 11.31 13.37
Net Interest Margin 3.90 3.95 3.99 4.12 4.59
Reported: Net Interest Margin 3.93 3.95 3.99 4.12 4.59
Efficiency Ratio 57.30 59.49 59.93 60.88 65.47
Noninterest Inc/ Operating Rev 28.55 28.64 32.52 32.74 29.49
Balance Sheet Ratios (%)
Loans/ Deposits 96.91 91.25 94.42 80.11 82.64
Securities/ Assets 10.71 10.86 12.36 14.18 13.68
Total Equity/ Total Assets 12.26 10.24 9.38 9.21 9.07
Tangible Equity/ Tangible Assets 7.65 8.62 7.46 7.44 7.42
Tang Common Equity/ Tang Assets 7.65 8.62 7.46 7.44 7.42
Asset Quality (%)
NPAs/ Assets 0.86 1.03 1.22 1.51 2.54
NPA Excl Restructured/ Assets 0.58 0.58 0.85 1.09 2.20
NPAs & 90+ PD/ Assets 0.93 1.10 1.22 1.51 2.54
NPAs/ Loans & REO 1.12 1.30 1.57 2.16 3.79
Nonaccrual & 90+ & OREO/ Assets 0.65 0.66 0.85 1.09 2.20
NPAs & 90+ PD/ Loans & REO 1.21 1.39 1.57 2.16 3.79
NPA & Loans 90+/ Tangible Common Equity + LLR 12.30 12.55 15.92 19.70 32.56
NCOs/ Avg Loans 0.16 0.11 0.05 0.15 0.25
Loan Loss Reserves/ Gross Loans 0.37 0.41 0.45 0.52 0.72
Reserves/ NPAs 32.67 31.93 28.49 24.94 20.60
Loan Loss Provision/ NCO 211.04 128.82 168.08 114.24 95.07
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 658,529 476,806 403,322 288,162
Tier 1 Capital($000) NA 741,159 555,447 462,961 352,153
Tier 2 Capital($000) NA 99,586 23,920 21,062 NA
Total Capital($000) NA 840,745 579,367 484,023 373,310
Total Risk-weighted Assets($000) NA 6,398,963 5,512,898 4,292,741 2,781,966
Tier 1 Common Capital (CET1) Ratio(%) 9.49 10.29 8.65 9.40 10.36
Tier 1 Ratio(%) 10.50 11.58 10.08 10.78 12.66
Total Capital Ratio(%) 11.70 13.14 10.51 11.28 13.42
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.51 9.71 8.68 8.70 8.94
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 47,518,662 37,260,012 34,921,474 32,211,385 26,773,863
Avg Diluted Shares(actual) 38,980,754 37,144,139 34,701,732 32,126,667 26,259,030
Basic Book Value per Share 28.87 21.59 18.51 15.98 13.67
As-reported Book Value per Share 28.87 21.59 18.51 15.98 13.67
Basic Tangible Book Value per Share 17.12 17.86 14.42 12.65 10.99
Reported: Tangible Book Value 17.12 17.86 14.42 12.65 10.99
Common Dividends Declared per Share 0.20 0.40 0.30 0.20 0.15
EPS after Extra 0.92 1.98 2.08 1.27 1.46
EPS after Extra Growth(%) (23.30) (4.80) 63.80 (13) 94.70
Core EPS 1.48 2.53 2.39 1.73 1.60
Core EPS Growth(%) 19.40 5.90 37.90 8.50 76.50
Diluted EPS before Amortization 1 2.09 2.21 1.39 1.55
Pre-Provision Earnings per Share 1.65 2.43 2.28 1.64 1.59
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.