Financial Highlights

Financial Highlights
2019 FQ4 YTD
12/31/2019
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
Balance Sheet ($000)
Total Assets 26,821,948 26,821,948 23,109,486 20,329,085
Total Net Loans 20,955,503 20,955,503 17,557,912 14,953,885
Total Deposits 22,796,500 22,796,500 19,177,447 16,972,532
Equity Attributable to Parent Company 3,016,748 3,016,748 2,613,734 2,229,698
Total Equity 3,016,748 3,016,748 2,613,734 2,229,698
Profitability (%)
Net Income($000) 499,171 499,171 435,788 325,492
Net Income Attributable to Parent($000) 499,171 499,171 435,788 325,492
ROAA 2 2 2.05 1.72
Core ROAA 1.96 1.96 2.07 1.65
ROAE 17.54 17.54 18.07 15.65
ROATCE 19.65 19.65 20.70 18.39
Core ROAE 17.13 17.13 18.21 15
Net Interest Margin 4.52 4.52 4.68 4.65
Reported: Net Interest Margin 4.52 4.52 4.68 4.65
Efficiency Ratio 43.20 43.20 43.03 41.48
Noninterest Inc/ Operating Rev 4.46 4.46 4.76 4.68
Balance Sheet Ratios (%)
Loans/ Deposits 92.56 92.56 92.35 88.93
Securities/ Assets NA NA 16.40 18.80
Total Equity/ Total Assets 11.25 11.25 11.31 10.97
Tangible Equity/ Tangible Assets 10.25 10.25 10.15 9.63
Tang Common Equity/ Tang Assets 10.25 10.25 10.15 9.63
Asset Quality (%)
NPAs/ Assets 0.37 0.37 0.36 0.57
NPA Excl Restructured/ Assets 0.26 0.26 0.20 0.36
NPAs & 90+ PD/ Assets 0.37 0.37 0.36 0.57
NPAs/ Loans & REO 0.46 0.46 0.46 0.76
Nonaccrual & 90+ & OREO/ Assets 0.26 0.26 0.20 0.36
NPAs & 90+ PD/ Loans & REO 0.46 0.46 0.47 0.76
NPA & Loans 90+/ Tangible Common Equity + LLR 3.40 3.40 3.35 5.56
NCOs/ Avg Loans 0.02 0.02 0.06 0.01
Loan Loss Reserves/ Gross Loans 0.79 0.79 0.86 0.93
Reserves/ NPAs 170.84 170.84 185.95 121.89
Loan Loss Provision/ NCO 540.94 540.94 222.59 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,693,890 2,693,890 2,349,820 1,934,350
Tier 1 Capital($000) 2,775,390 2,775,390 2,431,320 2,013,744
Tier 2 Capital($000) 482,484 482,484 466,036 447,244
Total Capital($000) 3,257,874 3,257,874 2,897,356 2,460,988
Total Risk-weighted Assets($000) 25,390,142 25,390,142 21,983,976 18,569,608
Tier 1 Common Capital (CET1) Ratio(%) 10.60 10.60 10.69 10.42
Tier 1 Ratio(%) 10.90 10.90 11.06 10.84
Total Capital Ratio(%) 12.80 12.80 13.18 13.25
Leverage Ratio(%) 10.60 10.60 10.95 10.26
Per Share Information ($)
Common Shares Outstanding(actual) 102,524,000 102,524,000 104,948,639 105,487,365
Avg Diluted Shares(actual) 103,133,000 103,133,000 105,370,000 104,997,000
Basic Book Value per Share 29.42 29.42 24.90 21.14
Book Value per Share, As Reported 29.42 29.42 24.90 21.14
Basic Tangible Book Value per Share 26.52 26.52 22.05 18.29
Tangible Book Value per Share, As Reported 26.54 26.54 22.07 18.31
Common Dividends Declared per Share 0.50 0.50 0 0
EPS after Extra 4.84 4.84 4.14 3.10
EPS after Extra Growth(%) 16.90 16.90 33.50 24
Core EPS 4.72 4.72 4.17 2.97
Core EPS Growth(%) 13.30 13.30 40.40 15.50
Diluted EPS before Amortization 4.85 4.85 4.16 3.12
Pre-Provision Earnings per Share 4.64 4.64 4.02 2.86
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