Financial Highlights
2019 FQ2 YTD
6/30/2019
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 9,612,667 7,702,357 7,860,640 5,425,170 3,998,976
Total Net Loans 6,520,358 5,543,675 5,560,766 4,087,424 2,589,603
Total Deposits 7,833,222 6,249,321 6,125,965 4,374,298 3,289,106
Equity Attributable to Parent Company 1,203,608 994,964 935,003 594,314 373,186
Total Equity 1,203,608 994,964 935,003 594,314 373,186
Profitability (%)
Net Income($000) 49,554 98,928 62,726 49,694 39,006
Net Income Attributable to Parent($000) 49,554 98,928 62,726 49,694 39,006
ROAA 1.08 1.28 1 1 0.99
Core ROAA 1.29 1.40 1.25 1.21 1.08
ROAE 8.60 10.36 8.48 9.59 8.91
ROATCE 13.37 15.91 11.72 12.24 12.07
Core ROAE 10.30 11.31 10.62 11.59 9.68
Net Interest Margin 3.42 3.45 3.58 3.42 3.10
Reported: Net Interest Margin 3.45 3.45 3.58 3.42 3.10
Efficiency Ratio 57.41 54.47 56.11 56.82 61.56
Noninterest Inc/ Operating Rev 27.88 27.08 29.07 32.52 36.55
Balance Sheet Ratios (%)
Loans/ Deposits 83.39 89.10 90.10 88.67 79.89
Securities/ Assets 19.44 17.04 16.81 15.09 22.40
Total Equity/ Total Assets 12.52 12.92 11.89 10.95 9.33
Tangible Equity/ Tangible Assets 8.96 9.37 8.30 8.92 8.58
Tang Common Equity/ Tang Assets 8.96 9.37 8.30 8.92 8.58
Asset Quality (%)
NPAs/ Assets 0.44 0.57 0.46 0.64 0.56
NPA Excl Restructured/ Assets 0.35 0.46 0.33 0.44 0.34
NPAs & 90+ PD/ Assets 0.44 0.59 0.49 0.64 0.56
NPAs/ Loans & REO 0.64 0.78 0.64 0.84 0.85
Nonaccrual & 90+ & OREO/ Assets 0.35 0.48 0.36 0.44 0.34
NPAs & 90+ PD/ Loans & REO 0.65 0.81 0.69 0.84 0.85
NPA & Loans 90+/ Tangible Common Equity + LLR 4.85 6.10 5.68 6.67 5.77
NCOs/ Avg Loans 0.12 0.13 (0.01) 0.15 0.06
Loan Loss Reserves/ Gross Loans 0.78 0.91 0.95 1.16 1.80
Reserves/ NPAs 121.28 115.58 149.30 138.16 212.37
Loan Loss Provision/ NCO 118.64 60.15 NM 105.88 102.17
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 830,365 709,924 644,633 484,246 341,828
Tier 1 Capital($000) 904,365 783,924 718,101 557,862 394,240
Tier 2 Capital($000) 111,375 110,648 119,082 48,126 37,449
Total Capital($000) 1,015,740 894,572 837,183 605,988 431,689
Total Risk-weighted Assets($000) 7,274,905 6,032,964 5,916,372 4,317,002 2,967,538
Tier 1 Common Capital (CET1) Ratio(%) 11.41 11.77 10.90 11.22 11.52
Tier 1 Ratio(%) 12.43 12.99 12.14 12.92 13.29
Total Capital Ratio(%) 13.96 14.83 14.15 14.04 14.55
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.87 10.36 9.78 10.45 10.13
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 55,386,636 48,874,836 48,684,943 38,236,287 28,694,851
Avg Diluted Shares(actual) 54,764,129 49,215,455 43,126,245 35,413,000 29,103,000
Basic Book Value per Share 21.73 20.36 19.21 15.54 13.01
Book Value per Share, As Reported 21.73 20.36 19.21 15.54 13.01
Basic Tangible Book Value per Share 14.94 14.19 12.88 12.37 11.86
Tangible Book Value per Share, As Reported 14.95 14.21 12.88 12.37 11.86
Common Dividends Declared per Share 0.42 0.80 0.72 0.68 0.62
EPS after Extra 0.90 2.01 1.45 1.40 1.32
EPS after Extra Growth(%) (5.30) 38.60 3.60 6.10 20
Core EPS 1.08 2.19 1.82 1.69 1.44
Core EPS Growth(%) 0.40 20.80 7.30 17.80 21.90
Diluted EPS before Amortization 0.98 2.13 1.57 1.53 1.43
Pre-Provision Earnings per Share 1.12 2.31 1.80 1.71 1.39
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