Financial Highlights
2020 FQ2 YTD
6/30/2020
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 10,835,965 9,695,729 7,702,357 7,860,640 5,425,170
Total Net Loans 7,241,114 6,702,200 5,543,675 5,560,766 4,087,424
Total Deposits 8,909,666 7,902,396 6,249,321 6,125,965 4,374,298
Equity Attributable to Parent Company 1,236,084 1,220,434 994,964 935,003 594,314
Total Equity 1,236,084 1,220,434 994,964 935,003 594,314
Profitability (%)
Net Income($000) 41,170 102,953 98,928 62,726 49,694
Net Income Attributable to Parent($000) 41,170 102,953 98,928 62,726 49,694
ROAA 0.82 1.09 1.28 1 1
Core ROAA 0.88 1.32 1.39 1.25 1.21
ROAE 6.72 8.68 10.36 8.48 9.59
ROATCE 10.58 13.52 15.91 11.72 12.24
Core ROAE 7.18 10.55 11.26 10.60 11.59
Net Interest Margin 3.10 3.38 3.45 3.58 3.42
Reported: Net Interest Margin 3.11 3.38 3.45 3.58 3.42
Efficiency Ratio 55.29 56.58 54.58 56.16 56.82
Noninterest Inc/ Operating Rev 27.55 28.56 26.94 29.01 32.52
Balance Sheet Ratios (%)
Loans/ Deposits 81.14 84.62 89.10 90.10 88.67
Securities/ Assets 15.71 17.06 17.04 16.81 15.09
Total Equity/ Total Assets 11.41 12.59 12.92 11.89 10.95
Tangible Equity/ Tangible Assets 8.28 9.08 9.37 8.30 8.92
Tang Common Equity/ Tang Assets 8.28 9.08 9.37 8.30 8.92
Asset Quality (%)
NPAs/ Assets 0.31 0.37 0.57 0.46 0.64
NPA Excl Restructured/ Assets 0.27 0.32 0.46 0.33 0.44
NPAs & 90+ PD/ Assets 0.31 0.39 0.59 0.49 0.64
NPAs/ Loans & REO 0.45 0.53 0.78 0.64 0.84
Nonaccrual & 90+ & OREO/ Assets 0.27 0.34 0.48 0.36 0.44
NPAs & 90+ PD/ Loans & REO 0.46 0.56 0.81 0.69 0.84
NPA & Loans 90+/ Tangible Common Equity + LLR 3.47 4.17 6.10 5.68 6.67
NCOs/ Avg Loans 0.13 0.11 0.13 (0.01) 0.15
Loan Loss Reserves/ Gross Loans 1.31 0.80 0.91 0.95 1.16
Reserves/ NPAs 289.59 149.47 115.58 149.30 138.16
Loan Loss Provision/ NCO 648.58 142.43 60.15 NM 105.88
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 867,243 848,395 709,924 644,633 484,246
Tier 1 Capital($000) 941,243 922,395 783,924 718,101 557,862
Tier 2 Capital($000) 259,035 113,748 110,648 119,082 48,126
Total Capital($000) 1,200,278 1,036,143 894,572 837,183 605,988
Total Risk-weighted Assets($000) 7,393,376 7,385,320 6,032,964 5,916,372 4,317,002
Tier 1 Common Capital (CET1) Ratio(%) 11.73 11.49 11.77 10.90 11.22
Tier 1 Ratio(%) 12.73 12.49 12.99 12.14 12.92
Total Capital Ratio(%) 16.23 14.03 14.83 14.15 14.04
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.42 9.88 10.36 9.78 10.45
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 54,516,000 54,788,772 48,874,836 48,684,943 38,236,287
Avg Diluted Shares(actual) 54,807,170 55,132,494 49,215,455 43,126,245 35,413,000
Basic Book Value per Share 22.67 22.28 20.36 19.21 15.54
Book Value per Share, As Reported 22.67 22.28 20.36 19.21 15.54
Basic Tangible Book Value per Share 15.90 15.45 14.19 12.88 12.37
Tangible Book Value per Share, As Reported 15.92 15.46 14.21 12.88 12.37
Common Dividends Declared per Share 0.44 0.84 0.80 0.72 0.68
EPS after Extra 0.75 1.87 2.01 1.45 1.40
EPS after Extra Growth(%) (16.70) (7) 38.60 3.60 6.10
Core EPS 0.80 2.27 2.18 1.81 1.69
Core EPS Growth(%) (24.70) 4 20.50 7.10 17.80
Diluted EPS before Amortization 0.84 2.04 2.13 1.57 1.53
Pre-Provision Earnings per Share 1.16 2.34 2.30 1.80 1.71
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