Financial Highlights

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 16,091,639 16,543,337 15,055,806 8,400,056 7,559,658
Total Net Loans 11,699,974 11,693,371 10,762,055 5,624,392 4,918,269
Total Deposits 11,989,531 12,398,752 11,092,875 6,735,219 6,086,096
Equity Attributable to Parent Company 2,302,321 2,246,434 2,084,564 1,151,111 1,076,855
Total Equity 2,302,321 2,246,434 2,084,564 1,151,111 1,076,855
Profitability (%)
Net Income($000) 47,695 215,713 92,940 96,814 74,364
Net Income Attributable to Parent($000) 47,695 215,713 92,940 96,814 74,364
ROAA 1.17 1.37 0.92 1.25 1.04
Core ROAA 1.20 1.44 1.19 1.29 1.27
ROAE 8.48 10 6.68 8.74 7.71
ROATCE 15.16 18.44 10.78 13.96 11.25
Core ROAE 8.68 10.56 8.63 9.02 9.41
Net Interest Margin 3.80 3.97 4.07 4.19 4.55
Reported: Net Interest Margin 3.85 3.97 4.07 4.19 4.55
Efficiency Ratio 56.98 53.06 56.46 57.10 59.94
Noninterest Inc/ Operating Rev 18.46 20.65 27.37 32.41 26.33
Balance Sheet Ratios (%)
Loans/ Deposits 97.94 94.55 97.18 83.65 80.85
Securities/ Assets 14.30 14.75 13 19.28 20.26
Total Equity/ Total Assets 14.31 13.58 13.85 13.70 14.24
Tangible Equity/ Tangible Assets 9.02 8.39 8.08 9.38 9.71
Tang Common Equity/ Tang Assets 9.02 8.39 8.08 9.38 9.28
Asset Quality (%)
NPAs/ Assets 0.66 0.53 0.72 1.48 1.12
NPA Excl Restructured/ Assets 0.62 0.50 0.68 1.35 1.08
NPAs & 90+ PD/ Assets 0.66 0.54 0.75 1.48 1.18
NPAs/ Loans & REO 0.89 0.75 1.01 2.18 1.70
Nonaccrual & 90+ & OREO/ Assets 0.62 0.50 0.70 1.35 1.14
NPAs & 90+ PD/ Loans & REO 0.90 0.75 1.04 2.19 1.78
NPA & Loans 90+/ Tangible Common Equity + LLR 7.40 6.48 9.52 15.82 12.76
NCOs/ Avg Loans 0.18 0.21 0.31 0.29 0.14
Loan Loss Reserves/ Gross Loans 0.51 0.48 0.39 0.66 0.65
Reserves/ NPAs 57.45 64.19 38.60 29.96 38.13
Loan Loss Provision/ NCO 171.18 162.06 122.50 132.62 151.30
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,398,199 1,361,380 1,199,457 812,310 716,737
Tier 1 Capital($000) 1,398,199 1,361,380 1,199,457 872,707 808,159
Tier 2 Capital($000) 421,812 417,558 189,513 40,241 35,068
Total Capital($000) 1,820,011 1,778,938 1,388,970 912,948 843,227
Total Risk-weighted Assets($000) 13,364,636 13,326,832 12,234,160 6,039,034 5,044,453
Tier 1 Common Capital (CET1) Ratio(%) 10.46 10.22 9.80 13.45 14.21
Tier 1 Ratio(%) 10.46 10.22 9.80 14.45 16.02
Total Capital Ratio(%) 13.62 13.35 11.35 15.12 16.72
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.07 8.78 9.21 10.95 11.20
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 92,568,361 92,347,643 92,029,118 62,555,446 60,556,864
Avg Diluted Shares(actual) 92,870,813 92,830,485 69,852,920 61,927,092 56,419,322
Basic Book Value per Share 24.87 24.33 22.65 18.40 17.27
Book Value per Share, As Reported 24.87 24.33 22.65 18.40 17.27
Basic Tangible Book Value per Share 14.78 14.18 12.39 12 11
Tangible Book Value per Share, As Reported 14.78 14.18 12.34 11.98 10.98
Common Dividends Declared per Share 0.16 0.60 0.50 0.48 0.46
EPS after Extra 0.51 2.32 1.33 1.56 1.31
EPS after Extra Growth(%) (7.30) 74.40 (14.70) 19.10 24.80
Core EPS 0.52 2.45 1.72 1.61 1.60
Core EPS Growth(%) (10.90) 42.70 6.60 0.70 42.60
Diluted EPS before Amortization 0.54 2.43 1.43 1.65 1.39
Pre-Provision Earnings per Share 0.58 2.62 1.84 1.71 1.57
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