Financial Highlights

Financial Highlights
2018 FQ4 YTD
12/31/2018
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 23,109,486 23,109,486 20,329,085 17,200,842
Total Net Loans 17,557,883 17,557,883 14,953,885 13,083,732
Total Deposits 19,177,400 19,177,400 16,972,532 14,549,863
Equity Attributable to Parent Company 2,613,734 2,613,734 2,229,698 1,891,529
Total Equity 2,613,734 2,613,734 2,229,698 1,891,529
Profitability (%)
Net Income($000) 435,788 435,788 325,492 259,798
Net Income Attributable to Parent($000) 435,788 435,788 325,492 259,798
ROAA 2.05 2.05 1.72 1.61
Core ROAA 2.07 2.07 1.65 1.66
ROAE 18.07 18.07 15.65 14.67
ROATCE 20.70 20.70 18.39 17.83
Core ROAE 18.21 18.21 15 15.09
Net Interest Margin 4.68 4.68 4.65 4.58
Reported: Net Interest Margin 4.68 4.68 4.65 4.58
Efficiency Ratio 43.03 43.03 41.48 43.18
Noninterest Inc/ Operating Rev 4.76 4.76 4.68 5.63
Balance Sheet Ratios (%)
Loans/ Deposits 92.35 92.35 88.93 90.65
Securities/ Assets 16.28 16.28 18.80 16.11
Total Equity/ Total Assets 11.31 11.31 10.97 11
Tangible Equity/ Tangible Assets 10.15 10.15 9.63 9.40
Tang Common Equity/ Tang Assets 10.15 10.15 9.63 9.40
Asset Quality (%)
NPAs/ Assets 0.36 0.36 0.57 0.82
NPA Excl Restructured/ Assets 0.20 0.20 0.36 0.51
NPAs & 90+ PD/ Assets 0.36 0.36 0.57 0.83
NPAs/ Loans & REO 0.46 0.46 0.76 1.07
Nonaccrual & 90+ & OREO/ Assets 0.20 0.20 0.36 0.52
NPAs & 90+ PD/ Loans & REO 0.47 0.47 0.76 1.08
NPA & Loans 90+/ Tangible Common Equity + LLR 3.35 3.35 5.56 8.33
NCOs/ Avg Loans 0.06 0.06 0.01 0.02
Loan Loss Reserves/ Gross Loans 0.86 0.86 0.93 0.94
Reserves/ NPAs 185.85 185.85 121.89 87.99
Loan Loss Provision/ NCO 222.59 222.59 NM 338.41
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,345,947 2,345,947 1,934,350 1,600,717
Tier 1 Capital($000) 2,427,447 2,427,447 2,013,744 1,675,871
Tier 2 Capital($000) 466,036 466,036 447,244 431,609
Total Capital($000) 2,893,483 2,893,483 2,460,988 2,107,480
Total Risk-weighted Assets($000) 21,983,974 21,983,974 18,569,608 15,980,092
Tier 1 Common Capital (CET1) Ratio(%) 10.70 10.70 10.42 10.02
Tier 1 Ratio(%) 11 11 10.84 10.49
Total Capital Ratio(%) 13.20 13.20 13.25 13.19
Leverage Ratio(%) 10.90 10.90 10.26 9.93
Per Share Information ($)
Common Shares Outstanding(actual) 104,949,000 104,949,000 105,487,365 105,070,861
Avg Diluted Shares(actual) 105,370,000 105,370,000 104,997,000 103,843,000
Basic Book Value per Share 24.90 24.90 21.14 18
Book Value per Share, As Reported 24.90 24.90 21.14 18
Basic Tangible Book Value per Share 22.05 22.05 18.29 15.12
Tangible Book Value per Share, As Reported 22.07 22.07 18.31 15.17
Common Dividends Declared per Share 0 0 0 0
EPS after Extra 4.14 4.14 3.10 2.50
EPS after Extra Growth(%) 33.50 33.50 24 23.20
Core EPS 4.17 4.17 2.97 2.57
Core EPS Growth(%) 40.40 40.40 15.50 22.70
Diluted EPS before Amortization 4.16 4.16 3.12 2.53
Pre-Provision Earnings per Share 4.02 4.02 2.86 2.36
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