Time Periods
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 10,745,388 10,607,295 10,746,198 8,666,437 8,552,669
Total Net Loans 6,234,760 6,231,920 6,209,635 4,903,745 4,756,906
Total Deposits 8,488,205 8,322,371 8,444,420 7,075,954 6,873,474
Equity Attributable to Parent Company 1,809,510 1,713,783 1,635,315 1,198,100 1,140,647
Total Equity 1,809,510 1,713,783 1,635,315 1,198,100 1,140,647
Profitability (%)
Net Income ($000) 86,961 168,641 150,717 103,812 91,230
Net Income Attributable to Parent ($000) 86,961 168,641 150,717 103,812 91,230
ROAA 1.62 1.58 1.49 1.20 1.17
Core ROAA 1.69 1.71 1.39 1.25 1.26
ROAE 9.94 10.20 10.21 8.57 8.87
ROATCE 19.67 21.77 21.66 14.67 14.78
Core ROAE 10.37 11 9.53 8.90 9.55
Net Interest Margin 3.77 3.73 3.69 3.71 3.73
Reported: Net Interest Margin 3.80 3.73 3.69 3.71 3.73
Efficiency Ratio 58.92 57.25 57.67 59.21 57.89
Noninterest Inc/ Operating Rev 38.90 39.30 39.07 36.09 33.17
Balance Sheet Ratios (%)
Loans/ Deposits 74.03 75.47 74.09 69.93 69.85
Securities/ Assets 22.36 28.11 28.67 32.13 33.30
Total Equity/ Total Assets 16.84 16.16 15.22 13.82 13.34
Tangible Equity/ Tangible Assets 10.15 9.25 8.17 8.76 8.14
Tang Common Equity/ Tang Assets 10.15 9.25 8.17 8.76 8.14
Asset Quality (%)
NPAs/ Assets 0.25 0.25 0.28 0.30 0.33
NPA Excl Restructured/ Assets 0.22 0.22 0.25 0.26 0.28
NPAs & 90+ PD/ Assets 0.27 0.28 0.30 0.34 0.35
NPAs/ Loans & REO 0.42 0.43 0.48 0.53 0.58
Nonaccrual & 90+ & OREO/ Assets 0.24 0.25 0.27 0.30 0.30
NPAs & 90+ PD/ Loans & REO 0.47 0.47 0.52 0.59 0.63
NPA & Loans 90+/ Tangible Common Equity + LLR 2.78 3.08 3.82 3.84 4.31
NCOs/ Avg Loans 0.12 0.15 0.18 0.13 0.15
Loan Loss Reserves/ Gross Loans 0.78 0.78 0.76 0.95 0.95
Reserves/ NPAs 186.86 182.53 158.28 179.71 161.75
Loan Loss Provision/ NCO 100.68 118.62 103.29 129.34 100.94
Capital Adequacy
Tier 1 Common Capital (CET1) ($000) 1,059,192 998,111 876,685 759,199 689,528
Tier 1 Capital ($000) 1,154,247 1,093,166 995,860 858,347 788,717
Tier 2 Capital ($000) 49,704 49,761 48,050 47,649 45,822
Total Capital ($000) 1,203,951 1,142,927 1,043,910 905,996 834,539
Total Risk-weighted Assets ($000) 6,067,398 5,995,779 5,983,136 4,743,058 4,614,765
Tier 1 Common Capital (CET1) Ratio (%) 17.46 16.65 14.65 16.01 14.94
Tier 1 Ratio (%) 19.02 18.23 16.64 18.10 17.09
Total Capital Ratio (%) 19.84 19.06 17.45 19.10 18.08
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 11.54 11.08 10 10.55 10.20
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding (actual) 51,570,608 51,257,824 50,696,077 44,437,415 43,774,860
Avg Diluted Shares (actual) 52,277,000 51,748,000 49,470,000 44,485,000 41,401,000
Basic Book Value per Share 35.09 33.43 32.26 26.96 26.06
Book Value per Share, As Reported 35.09 33.43 32.26 26.96 26.06
Basic Tangible Book Value per Share 19.57 17.68 15.98 16.14 15
Tangible Book Value per Share, As Reported 20.45 18.59 16.94 17.12 15.90
Common Dividends Declared per Share 0.76 1.44 1.32 1.26 1.22
EPS after Extra 1.66 3.24 3.03 2.32 2.19
EPS after Extra Growth (%) 1.80 6.90 30.60 5.90 (1.40)
Core EPS 1.73 3.50 2.83 2.41 2.36
Core EPS Growth (%) (2.30) 23.70 17.20 2.30 1.30
Diluted EPS before Amortization 1.81 3.59 3.37 2.44 2.28
Pre-Provision Earnings per Share 1.64 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.
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