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Financial Highlights
2020 FQ1 YTD
3/31/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 38,799,847 36,620,583 31,244,849 27,915,970 25,668,553
Total Net Loans 28,248,205 27,020,775 23,931,991 21,816,484 20,056,078
Total Deposits 31,461,660 30,107,138 26,094,678 23,183,347 21,658,632
Equity Attributable to Parent Company 3,700,393 3,691,250 3,267,570 2,976,939 2,695,617
Total Equity 3,700,393 3,691,250 3,267,570 2,976,939 2,695,617
Profitability (%)
Net Income($000) 62,812 355,697 343,166 257,682 206,875
Net Income Attributable to Parent($000) 62,812 355,697 343,166 257,682 206,875
ROAA 0.69 1.07 1.18 0.98 0.85
ROAE 6.77 10.28 11.07 9.07 8.11
ROATCE 8.71 13.21 13.97 11.63 10.91
Net Interest Margin 3.12 3.47 3.61 3.44 3.26
Reported: Net Interest Margin 3.14 3.47 3.61 3.44 3.26
Efficiency Ratio 60.70 62.05 61.04 62.41 64.27
Noninterest Inc/ Operating Rev 31.39 27.61 27.18 27.74 30.09
Balance Sheet Ratios (%)
Loans/ Deposits 88.38 89.02 91.29 93.35 91.24
Securities/ Assets 11.98 12.08 10.72 10.05 10.05
Total Equity/ Total Assets 9.54 10.08 10.46 10.66 10.50
Tangible Equity/ Tangible Assets 7.90 8.35 8.64 8.97 8.65
Tang Common Equity/ Tang Assets 7.58 8 8.23 8.51 7.65
Asset Quality (%)
NPAs/ Assets 0.56 0.43 0.52 0.57 0.57
NPA Excl Restructured/ Assets 0.44 0.33 0.42 0.42 0.45
NPAs & 90+ PD/ Assets 0.61 0.52 0.58 0.65 0.69
NPAs/ Loans & REO 0.77 0.58 0.68 0.72 0.73
Nonaccrual & 90+ & OREO/ Assets 0.49 0.42 0.48 0.51 0.57
NPAs & 90+ PD/ Loans & REO 0.83 0.71 0.76 0.82 0.88
NPA & Loans 90+/ Tangible Common Equity + LLR 7.65 6.34 6.83 7.32 8.67
NCOs/ Avg Loans 0.08 0.20 0.09 0.07 0.09
Loan Loss Reserves/ Gross Loans 0.76 0.58 0.63 0.63 0.61
Reserves/ NPAs 98.88 99.38 93.32 87.24 84.53
Loan Loss Provision/ NCO NM 108.23 176.53 198.78 197.59
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,926,375 2,912,683 2,585,004 2,368,232 1,989,448
Tier 1 Capital($000) 3,051,375 3,037,683 2,710,004 2,493,232 2,239,265
Tier 2 Capital($000) 848,769 812,189 538,874 524,919 510,945
Total Capital($000) 3,900,144 3,849,872 3,248,878 3,018,151 2,750,210
Total Risk-weighted Assets($000) 32,704,412 31,581,317 27,939,739 25,094,787 23,030,410
Tier 1 Common Capital (CET1) Ratio(%) 8.95 9.22 9.25 9.44 8.64
Tier 1 Ratio(%) 9.33 9.62 9.70 9.94 9.72
Total Capital Ratio(%) 11.93 12.19 11.63 12.03 11.94
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.48 8.69 9.13 9.33 8.91
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 57,545,352 57,821,891 56,407,558 55,965,207 51,880,540
Avg Diluted Shares(actual) 58,195,000 57,619,000 57,208,000 56,686,000 54,272,000
Book Value per Share, As Reported 62.13 61.68 55.71 50.96 47.12
Tangible Book Value per Share, As Reported 50.18 49.70 44.67 41.68 37.08
Common Dividends Declared per Share 0.28 1 0.76 0.56 0.48
EPS after Extra 1.04 6.03 5.86 4.40 3.66
EPS after Extra Growth(%) (31.60) 2.90 33.20 20.20 24.90
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