Financial Highlights

Financial Highlights
2018 FQ3 YTD
9/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 22,176,147 20,329,085 17,200,842 14,275,089
Total Net Loans 16,582,754 14,953,885 13,083,732 11,017,595
Total Deposits 18,908,580 16,972,532 14,549,863 12,030,624
Equity Attributable to Parent Company 2,488,393 2,229,698 1,891,529 1,591,502
Total Equity 2,488,393 2,229,698 1,891,529 1,591,502
Profitability (%)
Net Income($000) 316,702 325,492 259,798 194,244
Net Income Attributable to Parent($000) 316,702 325,492 259,798 194,244
ROAA 2.02 1.72 1.61 1.56
Core ROAA 2.05 1.65 1.66 1.61
ROAE 17.87 15.65 14.67 14.67
ROATCE 20.53 18.39 17.83 17.70
Core ROAE 18.14 15 15.09 15.15
Net Interest Margin 4.67 4.65 4.58 4.51
Reported: Net Interest Margin 4.67 4.65 4.58 4.51
Efficiency Ratio 43.26 41.48 43.18 45.16
Noninterest Inc/ Operating Rev 4.85 4.68 5.63 5.50
Balance Sheet Ratios (%)
Loans/ Deposits 88.49 88.93 90.65 92.37
Securities/ Assets 16.39 18.80 16.11 14.32
Total Equity/ Total Assets 11.22 10.97 11 11.15
Tangible Equity/ Tangible Assets 10.01 9.63 9.40 9.21
Tang Common Equity/ Tang Assets 10.01 9.63 9.40 9.21
Asset Quality (%)
NPAs/ Assets 0.45 0.57 0.82 1.14
NPA Excl Restructured/ Assets 0.26 0.36 0.51 0.65
NPAs & 90+ PD/ Assets 0.45 0.57 0.83 1.16
NPAs/ Loans & REO 0.59 0.76 1.07 1.46
Nonaccrual & 90+ & OREO/ Assets 0.26 0.36 0.52 0.67
NPAs & 90+ PD/ Loans & REO 0.59 0.76 1.08 1.49
NPA & Loans 90+/ Tangible Common Equity + LLR 4.25 5.56 8.33 11.82
NCOs/ Avg Loans 0.06 0.01 0.02 (0.06)
Loan Loss Reserves/ Gross Loans 0.90 0.93 0.94 1.07
Reserves/ NPAs 150.82 121.89 87.99 73.03
Loan Loss Provision/ NCO 241.51 NM 338.41 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,256,846 1,934,350 1,600,717 1,276,477
Tier 1 Capital($000) 2,338,346 2,013,744 1,675,871 1,341,011
Tier 2 Capital($000) 456,779 447,244 431,609 262,461
Total Capital($000) 2,795,125 2,460,988 2,107,480 1,603,472
Total Risk-weighted Assets($000) 20,690,767 18,569,608 15,980,092 13,193,563
Tier 1 Common Capital (CET1) Ratio(%) 10.91 10.42 10.02 9.67
Tier 1 Ratio(%) 11.30 10.84 10.49 10.16
Total Capital Ratio(%) 13.51 13.25 13.19 12.15
Leverage Ratio(%) 10.99 10.26 9.93 9.80
Per Share Information ($)
Common Shares Outstanding(actual) 105,861,497 105,487,365 105,070,861 103,087,044
Avg Diluted Shares(actual) 105,398,000 104,997,000 103,843,000 95,219,000
Basic Book Value per Share 23.51 21.14 18 15.44
Book Value per Share, As Reported 23.51 21.14 18 15.44
Basic Tangible Book Value per Share 20.68 18.29 15.12 12.48
Tangible Book Value per Share, As Reported 20.70 18.31 15.17 12.54
Common Dividends Declared per Share 0 0 0 0
EPS after Extra 3 3.10 2.50 2.03
EPS after Extra Growth(%) 33.30 24 23.20 21.60
Core EPS 3.04 2.97 2.57 2.10
Core EPS Growth(%) 36.20 15.50 22.70 23.80
Diluted EPS before Amortization 3.01 3.12 2.53 2.05
Pre-Provision Earnings per Share 2.93 2.86 2.36 1.83
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