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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
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 20,841,352 21,259,143 16,543,337 15,055,806 8,400,056
Total Net Loans 14,181,066 14,415,562 11,693,371 10,762,055 5,624,392
Total Deposits 15,559,733 16,108,940 12,398,752 11,092,875 6,735,219
Equity Attributable to Parent Company 2,845,400 2,988,924 2,246,434 2,084,564 1,151,111
Total Equity 2,845,400 2,988,924 2,246,434 2,084,564 1,151,111
Profitability (%)
Net Income($000) 77,236 238,167 215,713 92,940 96,814
Net Income Attributable to Parent($000) 77,236 238,167 215,713 92,940 96,814
ROAA 1.48 1.33 1.37 0.92 1.25
Core ROAA 0.97 1.30 1.45 1.19 1.29
ROAE 10.76 9.93 10 6.68 8.74
ROATCE 18.98 17.87 18.47 10.78 13.96
Core ROAE 7.08 9.66 10.58 8.63 9.02
Net Interest Margin 3.65 3.81 3.97 4.07 4.19
Reported: Net Interest Margin 3.68 3.85 3.97 4.07 4.19
Efficiency Ratio 56.49 54.03 53.01 56.46 57.10
Noninterest Inc/ Operating Rev 20.96 19.83 20.65 27.37 32.41
Balance Sheet Ratios (%)
Loans/ Deposits 92.38 89.55 94.55 97.18 83.65
Securities/ Assets 12.09 15.66 14.75 13 19.28
Total Equity/ Total Assets 13.65 14.06 13.58 13.85 13.70
Tangible Equity/ Tangible Assets 8.44 9 8.39 8.08 9.38
Tang Common Equity/ Tang Assets 8.44 8.99 8.39 8.08 9.38
Asset Quality (%)
NPAs/ Assets 0.88 0.55 0.53 0.72 1.48
NPA Excl Restructured/ Assets 0.86 0.53 0.50 0.68 1.35
NPAs & 90+ PD/ Assets 0.89 0.56 0.54 0.75 1.48
NPAs/ Loans & REO 1.27 0.81 0.75 1.01 2.18
Nonaccrual & 90+ & OREO/ Assets 0.87 0.53 0.50 0.70 1.35
NPAs & 90+ PD/ Loans & REO 1.28 0.81 0.75 1.04 2.19
NPA & Loans 90+/ Tangible Common Equity + LLR 9.73 6.30 6.48 9.52 15.82
NCOs/ Avg Loans 0.07 0.24 0.21 0.31 0.29
Loan Loss Reserves/ Gross Loans 1.69 0.47 0.48 0.39 0.66
Reserves/ NPAs 132.29 58.22 64.19 38.60 29.96
Loan Loss Provision/ NCO NM 136.45 162.06 122.50 132.62
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,776,923 1,807,187 1,361,380 1,199,457 812,310
Tier 1 Capital($000) 1,777,690 1,807,954 1,361,380 1,199,457 872,707
Tier 2 Capital($000) 484,411 464,904 417,558 189,513 40,241
Total Capital($000) 2,262,101 2,272,858 1,778,938 1,388,970 912,948
Total Risk-weighted Assets($000) 16,012,233 16,554,081 13,326,832 12,234,160 6,039,034
Tier 1 Common Capital (CET1) Ratio(%) 11.10 10.92 10.22 9.80 13.45
Tier 1 Ratio(%) 11.10 10.92 10.22 9.80 14.45
Total Capital Ratio(%) 14.13 13.73 13.35 11.35 15.12
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.96 9.59 8.78 9.21 10.95
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 108,966,331 113,628,601 92,347,643 92,029,118 62,555,446
Avg Diluted Shares(actual) 113,137,000 98,796,628 92,830,485 69,852,920 61,927,092
Basic Book Value per Share 26.11 26.30 24.33 22.65 18.40
Book Value per Share, As Reported 26.11 26.30 24.33 22.65 18.40
Basic Tangible Book Value per Share 15.22 15.89 14.18 12.39 12
Tangible Book Value per Share, As Reported 15.22 15.89 14.18 12.34 11.98
Common Dividends Declared per Share 0.17 0.64 0.60 0.50 0.48
EPS after Extra 0.68 2.41 2.32 1.33 1.56
EPS after Extra Growth(%) 33.30 3.90 74.40 (14.70) 19.10
Core EPS 0.45 2.35 2.45 1.72 1.61
Core EPS Growth(%) (14.30) (4.40) 42.80 6.60 0.70
Diluted EPS before Amortization 0.71 2.53 2.44 1.43 1.65
Pre-Provision Earnings per Share 0.61 2.61 2.62 1.84 1.71
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.