Time Periods
2019 FQ3 YTD
9/30/2019
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 11,597,297 10,607,295 10,746,198 8,666,437 8,552,669
Total Net Loans 6,803,768 6,231,920 6,209,635 4,903,745 4,756,906
Total Deposits 9,168,285 8,322,371 8,444,420 7,075,954 6,873,474
Equity Attributable to Parent Company 1,840,421 1,713,783 1,635,315 1,198,100 1,140,647
Total Equity 1,840,421 1,713,783 1,635,315 1,198,100 1,140,647
Profitability (%)
Net Income ($000) 126,179 168,641 150,717 103,812 91,230
Net Income Attributable to Parent ($000) 126,179 168,641 150,717 103,812 91,230
ROAA 1.54 1.58 1.49 1.20 1.17
Core ROAA 1.69 1.71 1.39 1.25 1.26
ROAE 9.48 10.20 10.21 8.57 8.87
ROATCE 18.68 21.77 21.66 14.67 14.78
Core ROAE 10.36 11 9.53 8.90 9.55
Net Interest Margin 3.77 3.73 3.69 3.71 3.73
Reported: Net Interest Margin 3.78 3.73 3.69 3.71 3.73
Efficiency Ratio 58.67 57.25 57.67 59.21 57.89
Noninterest Inc/ Operating Rev 38.75 39.30 39.07 36.09 33.17
Balance Sheet Ratios (%)
Loans/ Deposits 74.75 75.47 74.09 69.93 69.85
Securities/ Assets 21.40 28.11 28.67 32.13 33.30
Total Equity/ Total Assets 15.87 16.16 15.22 13.82 13.34
Tangible Equity/ Tangible Assets 9.29 9.25 8.17 8.76 8.14
Tang Common Equity/ Tang Assets 9.29 9.25 8.17 8.76 8.14
Asset Quality (%)
NPAs/ Assets 0.24 0.25 0.28 0.30 0.33
NPA Excl Restructured/ Assets 0.21 0.22 0.25 0.26 0.28
NPAs & 90+ PD/ Assets 0.29 0.28 0.30 0.34 0.35
NPAs/ Loans & REO 0.41 0.43 0.48 0.53 0.58
Nonaccrual & 90+ & OREO/ Assets 0.26 0.25 0.27 0.30 0.30
NPAs & 90+ PD/ Loans & REO 0.49 0.47 0.52 0.59 0.63
NPA & Loans 90+/ Tangible Common Equity + LLR 3.18 3.08 3.82 3.84 4.31
NCOs/ Avg Loans 0.11 0.15 0.18 0.13 0.15
Loan Loss Reserves/ Gross Loans 0.72 0.78 0.76 0.95 0.95
Reserves/ NPAs 174.81 182.53 158.28 179.71 161.75
Loan Loss Provision/ NCO 102.56 118.62 103.29 129.34 100.94
Capital Adequacy
Tier 1 Common Capital (CET1) ($000) NA 998,111 876,685 759,199 689,528
Tier 1 Capital ($000) NA 1,093,166 995,860 858,347 788,717
Tier 2 Capital ($000) NA 49,761 48,050 47,649 45,822
Total Capital ($000) NA 1,142,927 1,043,910 905,996 834,539
Total Risk-weighted Assets ($000) NA 5,995,779 5,983,136 4,743,058 4,614,765
Tier 1 Common Capital (CET1) Ratio (%) NA 16.65 14.65 16.01 14.94
Tier 1 Ratio (%) NA 18.23 16.64 18.10 17.09
Total Capital Ratio (%) NA 19.06 17.45 19.10 18.08
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 10.76 11.08 10 10.55 10.20
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding (actual) 51,660,054 51,257,824 50,696,077 44,437,415 43,774,860
Avg Diluted Shares (actual) 52,166,000 51,748,000 49,470,000 44,485,000 41,401,000
Basic Book Value per Share 35.63 33.43 32.26 26.96 26.06
Book Value per Share, As Reported 35.63 33.43 32.26 26.96 26.06
Basic Tangible Book Value per Share 19.35 17.68 15.98 16.14 15
Tangible Book Value per Share, As Reported 20.24 18.59 16.94 17.12 15.90
Common Dividends Declared per Share 1.17 1.44 1.32 1.26 1.22
EPS after Extra 2.41 3.24 3.03 2.32 2.19
EPS after Extra Growth (%) (2) 6.90 30.60 5.90 (1.40)
Core EPS 2.64 3.50 2.83 2.41 2.36
Core EPS Growth (%) (0.50) 23.70 17.20 2.30 1.30
Diluted EPS before Amortization 2.64 3.59 3.37 2.44 2.28
Pre-Provision Earnings per Share 2.51 3.38 2.57 2.37 2.27
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
Copyright 2019, © S&P Global Market Intelligence  Terms of Use