Financial Highlights

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 7,636,980 7,392,805 6,780,249 6,438,129 6,042,338
Total Net Loans 6,448,269 6,248,071 5,674,715 5,358,276 4,952,184
Total Deposits 5,622,493 5,454,044 4,871,343 4,611,076 4,306,018
Equity Attributable to Parent Company 918,468 900,140 803,830 695,544 667,485
Total Equity 918,468 910,619 812,583 702,749 673,486
Profitability (%)
Net Income($000) 42,981 86,551 53,619 55,224 52,368
Net Income Attributable to Parent($000) 42,938 83,062 50,518 52,362 49,782
ROAA 1.15 1.20 0.81 0.88 0.90
Core ROAA 1.15 1.20 0.81 0.86 0.88
ROAE 9.56 9.81 6.87 7.94 7.90
ROATCE 11.89 11.95 8.26 9.96 10.17
Core ROAE 9.61 9.94 6.95 7.83 7.86
Net Interest Margin 3.56 3.61 3.57 3.44 3.54
Reported: Net Interest Margin 3.59 3.61 3.57 3.44 3.54
Efficiency Ratio 55.42 54.71 55.76 56.22 56.84
Noninterest Inc/ Operating Rev 9.74 9.17 8.52 10.01 9.41
Balance Sheet Ratios (%)
Loans/ Deposits 115.70 115.58 117.64 117.08 116.01
Securities/ Assets 8.46 9.25 10.46 10.49 11.14
Total Equity/ Total Assets 12.03 12.32 11.98 10.92 11.15
Tangible Equity/ Tangible Assets 10.08 10.30 10.08 8.85 8.91
Tang Common Equity/ Tang Assets 10.08 10.15 9.94 8.73 8.81
Asset Quality (%)
NPAs/ Assets 0.67 0.55 0.71 0.86 0.64
NPA Excl Restructured/ Assets 0.30 0.38 0.47 0.64 0.34
NPAs & 90+ PD/ Assets 0.82 0.73 0.75 0.97 0.78
NPAs/ Loans & REO 0.78 0.64 0.84 1.02 0.77
Nonaccrual & 90+ & OREO/ Assets 0.46 0.56 0.51 0.75 0.49
NPAs & 90+ PD/ Loans & REO 0.96 0.85 0.89 1.15 0.94
NPA & Loans 90+/ Tangible Common Equity + LLR 7.72 6.80 7.09 10.35 8.22
NCOs/ Avg Loans 0.16 0.08 0.25 0.25 0.09
Loan Loss Reserves/ Gross Loans 0.90 0.93 1.02 0.99 1.13
Reserves/ NPAs 114.91 145.37 122.24 96.94 146.88
Loan Loss Provision/ NCO 98.90 102.15 135.55 76.85 170.92
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 753,897 745,103 669,238 559,644 530,505
Tier 1 Capital($000) 763,433 765,089 687,299 575,830 545,035
Tier 2 Capital($000) 134,452 134,474 134,074 128,845 131,674
Total Capital($000) 897,885 899,563 821,373 704,675 676,709
Total Risk-weighted Assets($000) 6,585,027 6,238,474 5,568,264 5,338,970 4,997,033
Tier 1 Common Capital (CET1) Ratio(%) 11.45 11.94 12.02 10.48 10.62
Tier 1 Ratio(%) 11.59 12.26 12.34 10.79 10.91
Total Capital Ratio(%) 13.64 14.42 14.75 13.20 13.54
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.31 10.58 10.43 9.16 9.37
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 80,151,408 80,157,147 77,255,030 71,037,349 70,882,891
Avg Diluted Shares(actual) 79,859,572 79,909,251 74,811,408 70,444,083 70,235,868
Basic Book Value per Share 11.46 11.23 10.40 9.79 9.42
Book Value per Share, As Reported 11.53 11.30 10.49 9.88 9.51
Basic Tangible Book Value per Share 9.39 9.15 8.54 7.74 7.32
Tangible Book Value per Share, As Reported 9.45 9.21 8.61 7.81 7.39
Common Dividends Declared per Share 0.22 0.40 0.36 0.36 0.36
EPS after Extra 0.54 1.04 0.68 0.74 0.71
EPS after Extra Growth(%) 8 52.90 (8.10) 4.20 14.50
Core EPS 0.54 1.04 0.68 0.72 0.70
Core EPS Growth(%) 6.50 53.20 (5.70) 3.20 17.80
Diluted EPS before Amortization 0.55 1.07 0.71 0.78 0.75
Pre-Provision Earnings per Share 0.61 1.15 0.88 0.84 0.79
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