Financial Highlights
2019 FQ1 YTD
3/31/2019
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 11,656,275 11,443,515 7,856,203 6,892,031 5,588,940
Total Net Loans 8,565,750 8,594,393 6,218,006 5,346,330 3,999,043
Total Deposits 9,800,875 9,649,313 6,625,845 5,575,163 4,879,290
Equity Attributable to Parent Company 1,495,584 1,456,347 804,479 646,437 514,759
Total Equity 1,495,584 1,456,347 804,479 646,437 514,759
Profitability (%)
Net Income($000) 39,905 121,027 73,548 72,100 40,847
Net Income Attributable to Parent($000) 39,905 121,027 73,548 72,100 40,847
ROAA 1.40 1.24 1 1.17 0.85
Core ROAA 1.54 1.57 1.28 1.34 1.16
ROAE 10.80 10.27 9.55 11.75 8.30
ROATCE 18.45 17.01 12.09 15.76 10.85
Core ROAE 11.92 12.98 12.19 13.49 11.31
Net Interest Margin 3.89 3.92 3.95 3.99 4.12
Reported: Net Interest Margin 3.95 3.92 3.95 3.99 4.12
Efficiency Ratio 53.42 54.10 59.49 59.93 60.88
Noninterest Inc/ Operating Rev 23.60 25.65 28.64 32.52 32.74
Balance Sheet Ratios (%)
Loans/ Deposits 86.55 88.21 91.25 94.42 80.11
Securities/ Assets 10.72 10.55 10.86 12.36 14.18
Total Equity/ Total Assets 12.83 12.73 10.24 9.38 9.21
Tangible Equity/ Tangible Assets 8.46 8.22 8.62 7.46 7.44
Tang Common Equity/ Tang Assets 8.46 8.22 8.62 7.46 7.44
Asset Quality (%)
NPAs/ Assets 0.75 0.72 1.03 1.22 1.51
NPA Excl Restructured/ Assets 0.46 0.47 0.58 0.85 1.09
NPAs & 90+ PD/ Assets 0.78 0.76 1.10 1.22 1.51
NPAs/ Loans & REO 1.02 0.96 1.30 1.57 2.16
Nonaccrual & 90+ & OREO/ Assets 0.49 0.51 0.66 0.85 1.09
NPAs & 90+ PD/ Loans & REO 1.06 1.01 1.39 1.57 2.16
NPA & Loans 90+/ Tangible Common Equity + LLR 9.43 9.39 12.55 15.92 19.70
NCOs/ Avg Loans 0.17 0.18 0.11 0.05 0.15
Loan Loss Reserves/ Gross Loans 0.33 0.33 0.41 0.45 0.52
Reserves/ NPAs 32.73 34.97 31.93 28.49 24.94
Loan Loss Provision/ NCO 95.52 122.20 128.82 168.08 114.24
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 934,663 895,433 658,529 476,806 403,322
Tier 1 Capital($000) 1,024,192 984,620 741,159 555,447 462,961
Tier 2 Capital($000) 102,618 102,744 99,586 23,920 21,062
Total Capital($000) 1,126,810 1,087,364 840,745 579,367 484,023
Total Risk-weighted Assets($000) 8,846,045 8,891,600 6,398,963 5,512,898 4,292,741
Tier 1 Common Capital (CET1) Ratio(%) 10.57 10.07 10.29 8.65 9.40
Tier 1 Ratio(%) 11.58 11.07 11.58 10.08 10.78
Total Capital Ratio(%) 12.74 12.23 13.14 10.51 11.28
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.43 9.17 9.71 8.68 8.70
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 47,585,309 47,499,941 37,260,012 34,921,474 32,211,385
Avg Diluted Shares(actual) 47,456,314 43,247,796 37,144,139 34,701,732 32,126,667
Basic Book Value per Share 31.43 30.66 21.59 18.51 15.98
Book Value per Share, As Reported 31.43 30.66 21.59 18.51 15.98
Basic Tangible Book Value per Share 19.73 18.83 17.86 14.42 12.65
Tangible Book Value per Share, As Reported 19.73 18.83 17.86 14.42 12.65
Common Dividends Declared per Share 0.10 0.40 0.40 0.30 0.20
EPS after Extra 0.84 2.80 1.98 2.08 1.27
EPS after Extra Growth(%) 20 41.40 (4.80) 63.80 (13)
Core EPS 0.93 3.54 2.53 2.39 1.73
Core EPS Growth(%) 26.10 39.90 5.90 37.90 8.50
Diluted EPS before Amortization 0.91 3.02 2.09 2.21 1.39
Pre-Provision Earnings per Share 0.95 3.64 2.43 2.28 1.64
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