Financial Highlights

Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
Balance Sheet ($000)
Total Assets 29,158,227 26,821,948 23,109,486 20,329,085
Total Net Loans 22,930,812 20,955,499 17,557,912 14,953,885
Total Deposits 24,830,681 22,796,493 19,177,447 16,972,532
Equity Attributable to Parent Company 2,999,633 3,016,748 2,613,734 2,229,698
Total Equity 2,999,633 3,016,748 2,613,734 2,229,698
Profitability (%)
Net Income($000) 83,964 499,171 435,788 325,492
Net Income Attributable to Parent($000) 83,964 499,171 435,788 325,492
ROAA 1.22 2 2.05 1.72
Core ROAA 1.31 1.96 2.07 1.65
ROAE 10.94 17.54 18.07 15.65
ROATCE 12.16 19.65 20.70 18.39
Core ROAE 11.75 17.13 18.21 15
Net Interest Margin 4.19 4.52 4.68 4.65
Reported: Net Interest Margin 4.22 4.52 4.68 4.65
Efficiency Ratio 41.70 43.20 43.03 41.48
Noninterest Inc/ Operating Rev 4.46 4.46 4.76 4.68
Balance Sheet Ratios (%)
Loans/ Deposits 93.21 92.56 92.35 88.93
Securities/ Assets 15.07 15.14 16.40 18.80
Total Equity/ Total Assets 10.29 11.25 11.31 10.97
Tangible Equity/ Tangible Assets 9.36 10.25 10.15 9.63
Tang Common Equity/ Tang Assets 9.36 10.25 10.15 9.63
Asset Quality (%)
NPAs/ Assets 0.41 0.37 0.36 0.57
NPA Excl Restructured/ Assets 0.33 0.26 0.20 0.36
NPAs & 90+ PD/ Assets 0.41 0.37 0.36 0.57
NPAs/ Loans & REO 0.51 0.46 0.46 0.76
Nonaccrual & 90+ & OREO/ Assets 0.33 0.26 0.20 0.36
NPAs & 90+ PD/ Loans & REO 0.51 0.46 0.47 0.76
NPA & Loans 90+/ Tangible Common Equity + LLR 4.06 3.40 3.35 5.56
NCOs/ Avg Loans (0.06) 0.02 0.06 0.01
Loan Loss Reserves/ Gross Loans 1.02 0.79 0.86 0.93
Reserves/ NPAs 197.30 170.92 185.95 121.89
Loan Loss Provision/ NCO NM 540.94 222.59 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,704,679 2,693,890 2,349,820 1,934,350
Tier 1 Capital($000) 2,786,179 2,775,390 2,431,320 2,013,744
Tier 2 Capital($000) 542,408 482,484 466,036 447,244
Total Capital($000) 3,328,587 3,257,874 2,897,356 2,460,988
Total Risk-weighted Assets($000) 27,066,840 25,390,142 21,983,976 18,569,608
Tier 1 Common Capital (CET1) Ratio(%) 9.99 10.61 10.69 10.42
Tier 1 Ratio(%) 10.29 10.93 11.06 10.84
Total Capital Ratio(%) 12.30 12.83 13.18 13.25
Leverage Ratio(%) 10.21 10.63 10.95 10.26
Per Share Information ($)
Common Shares Outstanding(actual) 101,153,019 102,523,671 104,948,639 105,487,365
Avg Diluted Shares(actual) 101,675,000 103,133,000 105,370,000 104,997,000
Basic Book Value per Share 29.65 29.42 24.90 21.14
Book Value per Share, As Reported 29.65 29.42 24.90 21.14
Basic Tangible Book Value per Share 26.72 26.52 22.05 18.29
Tangible Book Value per Share, As Reported 26.73 26.54 22.07 18.31
Common Dividends Declared per Share 0.25 0.50 0 0
EPS after Extra 0.83 4.84 4.14 3.10
EPS after Extra Growth(%) (28.40) 16.90 33.50 24
Core EPS 0.89 4.72 4.17 2.97
Core EPS Growth(%) (20.90) 13.30 40.40 15.50
Diluted EPS before Amortization 0.83 4.85 4.16 3.12
Pre-Provision Earnings per Share 1.26 4.64 4.02 2.86
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.