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Financial Highlights
2018 FQ2 YTD
6/30/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 29,464,588 27,915,970 25,668,553 22,909,348 19,998,840
Total Net Loans 22,922,870 21,816,484 20,056,078 17,546,402 14,893,561
Total Deposits 24,365,479 23,183,347 21,658,632 18,639,634 16,281,844
Equity Attributable to Parent Company 3,106,871 2,976,939 2,695,617 2,352,274 2,069,822
Total Equity 3,106,871 2,976,939 2,695,617 2,352,274 2,069,822
Profitability (%)
Net Income($000) 171,561 257,682 206,875 156,749 151,398
Net Income Attributable to Parent($000) 171,561 257,682 206,875 156,749 151,398
ROAA 1.22 0.98 0.85 0.75 0.81
ROAE 11.32 9.07 8.11 7.02 7.59
ROATCE 14.23 11.63 10.91 9.41 10.14
Net Interest Margin 3.57 3.44 3.26 3.36 3.53
Reported: Net Interest Margin 3.60 3.44 3.26 3.36 3.53
Efficiency Ratio 61.07 62.41 64.27 66.14 65.13
Noninterest Inc/ Operating Rev 28.14 27.74 30.09 29.55 26.57
Balance Sheet Ratios (%)
Loans/ Deposits 92.80 93.35 91.24 92.63 89.89
Securities/ Assets 10.15 10.05 10.05 12.14 9.76
Total Equity/ Total Assets 10.54 10.66 10.50 10.27 10.35
Tangible Equity/ Tangible Assets 8.90 8.97 8.65 8.28 8.41
Tang Common Equity/ Tang Assets 8.47 8.51 7.65 7.16 7.76
Asset Quality (%)
NPAs/ Assets 0.58 0.57 0.57 0.70 0.93
NPA Excl Restructured/ Assets 0.39 0.42 0.45 0.51 0.58
NPAs & 90+ PD/ Assets 0.62 0.65 0.69 0.85 1.03
NPAs/ Loans & REO 0.74 0.72 0.73 0.91 1.26
Nonaccrual & 90+ & OREO/ Assets 0.42 0.51 0.57 0.66 0.68
NPAs & 90+ PD/ Loans & REO 0.79 0.82 0.88 1.11 1.39
NPA & Loans 90+/ Tangible Common Equity + LLR 7.01 7.32 8.67 11.35 12.79
NCOs/ Avg Loans 0.07 0.07 0.09 0.12 0.20
Loan Loss Reserves/ Gross Loans 0.62 0.63 0.61 0.61 0.63
Reserves/ NPAs 83.97 87.24 84.53 67.79 50.43
Loan Loss Provision/ NCO 171.24 198.78 197.59 171.06 75.23
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,516,819 2,368,232 1,989,448 1,669,219 1,566,112
Tier 1 Capital($000) 2,641,819 2,493,232 2,239,265 1,981,661 1,934,579
Tier 2 Capital($000) 529,293 524,919 510,945 447,137 NA
Total Capital($000) 3,171,112 3,018,151 2,750,210 2,428,798 2,171,235
Total Risk-weighted Assets($000) 26,314,133 25,094,787 23,030,410 19,886,054 16,733,243
Tier 1 Common Capital (CET1) Ratio(%) 9.56 9.44 8.64 8.39 9.36
Tier 1 Ratio(%) 10.04 9.94 9.72 9.97 11.56
Total Capital Ratio(%) 12.05 12.03 11.94 12.21 12.98
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.39 9.33 8.91 9.09 10.17
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 56,329,276 55,965,207 51,880,540 48,383,279 46,805,055
Avg Diluted Shares(actual) 57,127,000 56,686,000 54,272,000 51,937,000 50,845,000
As-reported Book Value per Share 52.94 50.96 47.12 43.42 41.52
Reported: Tangible Book Value 43.50 41.68 37.08 33.17 32.45
Common Dividends Declared per Share 0.38 0.56 0.48 0.44 0.40
EPS after Extra 2.93 4.40 3.66 2.93 2.98
EPS after Extra Growth(%) 38.90 20.20 24.90 (1.70) 8.40
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