Financial Highlights

Financial Highlights
2019 FQ2 YTD
6/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 25,314,785 23,109,486 20,329,085 17,200,842
Total Net Loans 19,089,841 17,557,912 14,953,885 13,083,732
Total Deposits 21,439,899 19,177,447 16,972,532 14,549,863
Equity Attributable to Parent Company 2,851,264 2,613,734 2,229,698 1,891,529
Total Equity 2,851,264 2,613,734 2,229,698 1,891,529
Profitability (%)
Net Income($000) 243,732 435,788 325,492 259,798
Net Income Attributable to Parent($000) 243,732 435,788 325,492 259,798
ROAA 2.07 2.05 1.72 1.61
Core ROAA 2.02 2.07 1.65 1.66
ROAE 17.76 18.07 15.65 14.67
ROATCE 19.98 20.70 18.39 17.83
Core ROAE 17.39 18.21 15 15.09
Net Interest Margin 4.61 4.68 4.65 4.58
Reported: Net Interest Margin 4.65 4.68 4.65 4.58
Efficiency Ratio 42.18 43.03 41.48 43.18
Noninterest Inc/ Operating Rev 4.26 4.76 4.68 5.63
Balance Sheet Ratios (%)
Loans/ Deposits 89.79 92.35 88.93 90.65
Securities/ Assets 15.29 16.40 18.80 16.11
Total Equity/ Total Assets 11.26 11.31 10.97 11
Tangible Equity/ Tangible Assets 10.20 10.15 9.63 9.40
Tang Common Equity/ Tang Assets 10.20 10.15 9.63 9.40
Asset Quality (%)
NPAs/ Assets 0.48 0.36 0.57 0.82
NPA Excl Restructured/ Assets 0.27 0.20 0.36 0.51
NPAs & 90+ PD/ Assets 0.48 0.36 0.57 0.83
NPAs/ Loans & REO 0.63 0.46 0.76 1.07
Nonaccrual & 90+ & OREO/ Assets 0.27 0.20 0.36 0.52
NPAs & 90+ PD/ Loans & REO 0.63 0.47 0.76 1.08
NPA & Loans 90+/ Tangible Common Equity + LLR 4.49 3.35 5.56 8.33
NCOs/ Avg Loans 0.03 0.06 0.01 0.02
Loan Loss Reserves/ Gross Loans 0.83 0.86 0.93 0.94
Reserves/ NPAs 131.77 185.95 121.89 87.99
Loan Loss Provision/ NCO 373.93 222.59 NM 338.41
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,526,859 2,349,820 1,934,350 1,600,717
Tier 1 Capital($000) 2,608,359 2,431,320 2,013,744 1,675,871
Tier 2 Capital($000) 476,580 466,036 447,244 431,609
Total Capital($000) 3,084,939 2,897,356 2,460,988 2,107,480
Total Risk-weighted Assets($000) 23,851,943 21,983,976 18,569,608 15,980,092
Tier 1 Common Capital (CET1) Ratio(%) 10.60 10.69 10.42 10.02
Tier 1 Ratio(%) 10.90 11.06 10.84 10.49
Total Capital Ratio(%) 12.93 13.18 13.25 13.19
Leverage Ratio(%) 11 10.95 10.26 9.93
Per Share Information ($)
Common Shares Outstanding(actual) 103,654,124 104,948,639 105,487,365 105,070,861
Avg Diluted Shares(actual) 103,985,000 105,370,000 104,997,000 103,843,000
Basic Book Value per Share 27.51 24.90 21.14 18
Book Value per Share, As Reported 27.51 24.90 21.14 18
Basic Tangible Book Value per Share 24.63 22.05 18.29 15.12
Tangible Book Value per Share, As Reported 24.65 22.07 18.31 15.17
Common Dividends Declared per Share 0 0 0 0
EPS after Extra 2.34 4.14 3.10 2.50
EPS after Extra Growth(%) 20 33.50 24 23.20
Core EPS 2.29 4.17 2.97 2.57
Core EPS Growth(%) 18.10 40.40 15.50 22.70
Diluted EPS before Amortization 2.35 4.16 3.12 2.53
Pre-Provision Earnings per Share 2.25 4.02 2.86 2.36
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