Financial Highlights

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 16,165,533 15,055,806 8,400,056 7,559,658 4,643,354
Total Net Loans 11,353,975 10,762,055 5,624,392 4,918,269 2,728,871
Total Deposits 11,953,448 11,092,875 6,735,219 6,086,096 3,860,718
Equity Attributable to Parent Company 2,146,908 2,084,564 1,151,111 1,076,855 494,319
Total Equity 2,146,908 2,084,564 1,151,111 1,076,855 494,319
Profitability (%)
Net Income($000) 104,874 92,940 96,814 74,364 35,688
Net Income Attributable to Parent($000) 104,874 92,940 96,814 74,364 35,688
ROAA 1.37 0.92 1.25 1.04 0.80
Core ROAA 1.40 1.15 1.24 1.23 0.83
ROAE 9.89 6.68 8.74 7.71 8.11
ROATCE NA NA NA NA NA
Core ROAE 10.13 8.30 8.70 9.12 8.44
Net Interest Margin 4.04 4.07 4.19 4.55 4.47
Reported: Net Interest Margin 4.08 4.07 4.19 4.55 4.47
Efficiency Ratio 54.60 57.90 58.41 61.07 69.52
Noninterest Inc/ Operating Rev 21.76 27.37 32.41 26.33 24.46
Balance Sheet Ratios (%)
Loans/ Deposits 95.10 97.18 83.65 80.85 70.91
Securities/ Assets 14.06 13 19.28 20.26 23.48
Total Equity/ Total Assets 13.28 13.85 13.70 14.24 10.65
Tangible Equity/ Tangible Assets 7.91 8.08 9.38 9.71 8.09
Tang Common Equity/ Tang Assets 7.91 8.08 9.38 9.28 8.09
Asset Quality (%)
NPAs/ Assets 0.73 0.72 1.48 1.12 1.33
NPA Excl Restructured/ Assets 0.70 0.68 1.35 1.08 1.29
NPAs & 90+ PD/ Assets 0.74 0.75 1.48 1.18 1.36
NPAs/ Loans & REO 1.03 1.01 2.18 1.70 2.30
Nonaccrual & 90+ & OREO/ Assets 0.71 0.70 1.35 1.14 1.31
NPAs & 90+ PD/ Loans & REO 1.05 1.04 2.19 1.78 2.35
NPA & Loans 90+/ Tangible Common Equity + LLR 9.57 9.52 15.82 12.76 16
NCOs/ Avg Loans 0.12 0.28 0.29 0.14 0.22
Loan Loss Reserves/ Gross Loans 0.47 0.39 0.66 0.65 1.09
Reserves/ NPAs 45.51 38.60 29.96 38.13 48.40
Loan Loss Provision/ NCO 280.04 136.15 132.62 151.30 136.80
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,270,041 1,199,457 812,310 716,737 384,291
Tier 1 Capital($000) 1,270,041 1,199,457 872,707 808,159 403,110
Tier 2 Capital($000) 474,029 189,513 40,241 35,068 NA
Total Capital($000) 1,744,070 1,388,970 912,948 843,227 435,185
Total Risk-weighted Assets($000) 12,713,093 12,234,160 6,039,034 5,044,453 3,002,270
Tier 1 Common Capital (CET1) Ratio(%) 9.99 9.80 13.45 14.21 12.80
Tier 1 Ratio(%) 9.99 9.80 14.45 16.02 13.43
Total Capital Ratio(%) 13.72 11.35 15.12 16.72 14.50
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.63 9.21 10.95 11.20 8.77
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 92,281,370 92,029,118 62,555,446 60,556,864 36,104,976
Avg Diluted Shares(actual) 92,692,234 69,852,920 61,927,092 56,419,322 33,844,052
Basic Book Value per Share 23.26 22.65 18.40 17.27 13.69
As-reported Book Value per Share 23.26 22.65 18.40 17.27 13.69
Basic Tangible Book Value per Share 13.05 12.39 12 11 10.12
Reported: Tangible Book Value 13.05 12.34 11.98 10.98 10.07
Common Dividends Declared per Share 0.30 0.50 0.48 0.46 0.44
EPS after Extra 1.13 1.33 1.57 1.32 1.06
EPS after Extra Growth(%) 59.20 (15) 19 24.60 48.60
Core EPS 1.16 1.65 1.56 1.56 1.10
Core EPS Growth(%) 52.40 6 0.10 41.70 30.70
Diluted EPS before Amortization NA NA NA NA NA
Pre-Provision Earnings per Share 1.31 1.84 1.71 1.58 1.15
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