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Financial Highlights
2019 FQ1 YTD
3/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 32,358,621 31,244,849 27,915,970 25,668,553 22,909,348
Total Net Loans 24,304,974 23,931,991 21,816,484 20,056,078 17,546,402
Total Deposits 26,804,742 26,094,678 23,183,347 21,658,632 18,639,634
Equity Attributable to Parent Company 3,371,972 3,267,570 2,976,939 2,695,617 2,352,274
Total Equity 3,371,972 3,267,570 2,976,939 2,695,617 2,352,274
Profitability (%)
Net Income($000) 89,146 343,166 257,682 206,875 156,749
Net Income Attributable to Parent($000) 89,146 343,166 257,682 206,875 156,749
ROAA 1.14 1.18 0.98 0.85 0.75
ROAE 10.78 11.07 9.07 8.11 7.02
ROATCE 13.96 13.97 11.63 10.91 9.41
Net Interest Margin 3.67 3.61 3.44 3.26 3.36
Reported: Net Interest Margin 3.72 3.61 3.44 3.26 3.36
Efficiency Ratio 61.31 61.04 62.41 64.27 66.14
Noninterest Inc/ Operating Rev 23.37 27.18 27.74 30.09 29.55
Balance Sheet Ratios (%)
Loans/ Deposits 90.34 91.29 93.35 91.24 92.63
Securities/ Assets 10.43 10.72 10.05 10.05 12.14
Total Equity/ Total Assets 10.42 10.46 10.66 10.50 10.27
Tangible Equity/ Tangible Assets 8.67 8.64 8.97 8.65 8.28
Tang Common Equity/ Tang Assets 8.28 8.23 8.51 7.65 7.16
Asset Quality (%)
NPAs/ Assets 0.56 0.52 0.57 0.57 0.70
NPA Excl Restructured/ Assets 0.41 0.42 0.42 0.45 0.51
NPAs & 90+ PD/ Assets 0.61 0.58 0.65 0.69 0.85
NPAs/ Loans & REO 0.74 0.68 0.72 0.73 0.91
Nonaccrual & 90+ & OREO/ Assets 0.46 0.48 0.51 0.57 0.66
NPAs & 90+ PD/ Loans & REO 0.80 0.76 0.82 0.88 1.11
NPA & Loans 90+/ Tangible Common Equity + LLR 7.04 6.83 7.32 8.67 11.35
NCOs/ Avg Loans 0.09 0.09 0.07 0.09 0.12
Loan Loss Reserves/ Gross Loans 0.65 0.63 0.63 0.61 0.61
Reserves/ NPAs 87.55 93.32 87.24 84.53 67.79
Loan Loss Provision/ NCO 206.42 176.53 198.78 197.59 171.06
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 2,585,004 2,368,232 1,989,448 1,669,219
Tier 1 Capital($000) NA 2,710,004 2,493,232 2,239,265 1,981,661
Tier 2 Capital($000) NA 538,874 524,919 510,945 447,137
Total Capital($000) NA 3,248,878 3,018,151 2,750,210 2,428,798
Total Risk-weighted Assets($000) NA 27,939,739 25,094,787 23,030,410 19,886,054
Tier 1 Common Capital (CET1) Ratio(%) 9.30 9.25 9.44 8.64 8.39
Tier 1 Ratio(%) 9.80 9.70 9.94 9.72 9.97
Total Capital Ratio(%) 11.70 11.63 12.03 11.94 12.21
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.10 9.13 9.33 8.91 9.09
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 56,638,968 56,407,558 55,965,207 51,880,540 48,383,279
Avg Diluted Shares(actual) 57,228,000 57,208,000 56,686,000 54,272,000 51,937,000
Book Value per Share, As Reported 57.33 55.71 50.96 47.12 43.42
Tangible Book Value per Share, As Reported 46.38 44.67 41.68 37.08 33.17
Common Dividends Declared per Share 0.25 0.76 0.56 0.48 0.44
EPS after Extra 1.52 5.86 4.40 3.66 2.93
EPS after Extra Growth(%) 8.60 33.20 20.20 24.90 (1.70)
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