Financial Highlights

Financial Highlights
2018 FQ1 YTD
3/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 20,760,731 20,329,085 17,200,842 14,275,089
Total Net Loans 15,415,741 14,953,885 13,083,732 11,017,595
Total Deposits 17,354,500 16,972,532 14,549,863 12,030,624
Equity Attributable to Parent Company 2,293,763 2,229,698 1,891,529 1,591,502
Total Equity 2,293,763 2,229,698 1,891,529 1,591,502
Profitability (%)
Net Income($000) 100,900 325,492 259,798 194,244
Net Income Attributable to Parent($000) 100,900 325,492 259,798 194,244
ROAA 1.99 1.72 1.61 1.56
Core ROAA 1.99 1.71 1.66 1.61
ROAE 17.75 15.65 14.67 14.67
ROATCE 20.51 18.39 17.83 17.70
Core ROAE 17.75 15.51 15.09 15.15
Net Interest Margin 4.60 4.65 4.58 4.51
Reported: Net Interest Margin 4.60 4.65 4.58 4.51
Efficiency Ratio 42.28 41.48 43.18 45.16
Noninterest Inc/ Operating Rev 4.99 4.68 5.63 5.50
Balance Sheet Ratios (%)
Loans/ Deposits 89.66 88.93 90.65 92.37
Securities/ Assets NA 18.80 16.11 14.32
Total Equity/ Total Assets 11.05 10.97 11 11.15
Tangible Equity/ Tangible Assets 9.74 9.63 9.40 9.21
Tang Common Equity/ Tang Assets 9.74 9.63 9.40 9.21
Asset Quality (%)
NPAs/ Assets 0.54 0.57 0.82 1.14
NPA Excl Restructured/ Assets 0.33 0.36 0.51 0.65
NPAs & 90+ PD/ Assets 0.54 0.57 0.83 1.16
NPAs/ Loans & REO 0.71 0.76 1.07 1.46
Nonaccrual & 90+ & OREO/ Assets 0.33 0.36 0.52 0.67
NPAs & 90+ PD/ Loans & REO 0.71 0.76 1.08 1.49
NPA & Loans 90+/ Tangible Common Equity + LLR 5.21 5.56 8.33 11.82
NCOs/ Avg Loans 0.04 0.01 0.02 (0.06)
Loan Loss Reserves/ Gross Loans 0.93 0.93 0.94 1.07
Reserves/ NPAs 129.98 121.89 87.99 73.03
Loan Loss Provision/ NCO 431.34 NM 338.41 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,032,953 1,934,350 1,600,717 1,276,477
Tier 1 Capital($000) 2,114,453 2,013,744 1,675,871 1,341,011
Tier 2 Capital($000) 453,086 447,244 431,609 262,461
Total Capital($000) 2,567,539 2,460,988 2,107,480 1,603,472
Total Risk-weighted Assets($000) 19,425,630 18,569,608 15,980,092 13,193,563
Tier 1 Common Capital (CET1) Ratio(%) 10.50 10.42 10.02 9.67
Tier 1 Ratio(%) 10.90 10.84 10.49 10.16
Total Capital Ratio(%) 13.20 13.25 13.19 12.15
Leverage Ratio(%) 10.50 10.26 9.93 9.80
Per Share Information ($)
Common Shares Outstanding(actual) 105,861,000 105,487,365 105,070,861 103,087,044
Avg Diluted Shares(actual) 105,324,000 104,997,000 103,843,000 95,219,000
Basic Book Value per Share 21.67 21.14 18 15.44
As-reported Book Value per Share 21.67 21.14 18 15.44
Basic Tangible Book Value per Share 18.83 18.29 15.12 12.48
Reported: Tangible Book Value 18.86 18.31 15.17 12.54
Common Dividends Declared per Share 0 0 0 0
EPS after Extra 0.96 3.10 2.50 2.03
EPS after Extra Growth(%) 37.10 24 23.20 21.60
Core EPS 0.96 3.07 2.57 2.10
Core EPS Growth(%) 37.90 19.40 22.70 23.80
Diluted EPS before Amortization 0.96 3.12 2.53 2.05
Pre-Provision Earnings per Share 0.79 2.86 2.36 1.83
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.