Time Periods
2020 FQ1 YTD
3/31/2020
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 11,808,983 11,410,295 10,607,295 10,746,198 8,666,437
Total Net Loans 6,813,712 6,840,632 6,231,920 6,209,635 4,903,745
Total Deposits 9,303,982 8,994,967 8,322,371 8,444,420 7,075,954
Equity Attributable to Parent Company 1,976,631 1,855,234 1,713,783 1,635,315 1,198,100
Total Equity 1,976,631 1,855,234 1,713,783 1,635,315 1,198,100
Profitability (%)
Net Income ($000) 40,134 169,063 168,641 150,717 103,812
Net Income Attributable to Parent ($000) 40,134 169,063 168,641 150,717 103,812
ROAA 1.40 1.53 1.58 1.49 1.20
Core ROAA 1.51 1.67 1.71 1.39 1.25
ROAE 8.44 9.42 10.20 10.21 8.57
ROATCE 16.07 18.54 21.77 21.66 14.67
Core ROAE 9.12 10.29 11 9.53 8.90
Net Interest Margin 3.63 3.76 3.73 3.69 3.71
Reported: Net Interest Margin 3.65 3.76 3.73 3.69 3.71
Efficiency Ratio 59.86 59 57.25 57.67 59.21
Noninterest Inc/ Operating Rev 39.44 38.59 39.30 39.07 36.09
Balance Sheet Ratios (%)
Loans/ Deposits 73.80 76.60 75.47 74.09 69.93
Securities/ Assets 26.97 27.07 28.11 28.67 32.13
Total Equity/ Total Assets 16.74 16.26 16.16 15.22 13.82
Tangible Equity/ Tangible Assets 10.42 9.63 9.25 8.17 8.76
Tang Common Equity/ Tang Assets 10.42 9.63 9.25 8.17 8.76
Asset Quality (%)
NPAs/ Assets 0.20 0.21 0.25 0.28 0.30
NPA Excl Restructured/ Assets 0.17 0.18 0.22 0.25 0.26
NPAs & 90+ PD/ Assets 0.31 0.25 0.28 0.30 0.34
NPAs/ Loans & REO 0.35 0.34 0.43 0.48 0.53
Nonaccrual & 90+ & OREO/ Assets 0.28 0.22 0.25 0.27 0.30
NPAs & 90+ PD/ Loans & REO 0.54 0.42 0.47 0.52 0.59
NPA & Loans 90+/ Tangible Common Equity + LLR 3.08 2.71 3.08 3.82 3.84
NCOs/ Avg Loans 0.09 0.12 0.15 0.18 0.13
Loan Loss Reserves/ Gross Loans 0.81 0.72 0.78 0.76 0.95
Reserves/ NPAs 230.48 212.59 182.53 158.28 179.71
Loan Loss Provision/ NCO 360.90 108.04 118.62 103.29 129.34
Capital Adequacy
Tier 1 Common Capital (CET1) ($000) 1,104,762 1,073,281 998,111 876,685 759,199
Tier 1 Capital ($000) 1,179,817 1,148,336 1,093,166 995,860 858,347
Tier 2 Capital ($000) 56,026 50,388 49,761 48,050 47,649
Total Capital ($000) 1,235,843 1,198,724 1,142,927 1,043,910 905,996
Total Risk-weighted Assets ($000) 6,667,110 6,663,905 5,995,779 5,983,136 4,743,058
Tier 1 Common Capital (CET1) Ratio (%) 16.57 16.11 16.65 14.65 16.01
Tier 1 Ratio (%) 17.70 17.23 18.23 16.64 18.10
Total Capital Ratio (%) 18.54 17.99 19.06 17.45 19.10
Liquidity Coverage Ratio (%) NA NA NA NA NA
Leverage Ratio (%) 11.10 10.80 11.08 10 10.55
Basel III Leverage Ratio (%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding (actual) 52,008,511 51,793,923 51,257,824 50,696,077 44,437,415
Avg Diluted Shares (actual) 52,456,000 52,248,000 51,748,000 49,470,000 44,485,000
Basic Book Value per Share 38.01 35.82 33.43 32.26 26.96
Book Value per Share, As Reported 37.99 35.82 33.43 32.26 26.96
Basic Tangible Book Value per Share 21.99 19.66 17.68 15.98 16.14
Tangible Book Value per Share, As Reported 22.84 20.52 18.59 16.94 17.12
Common Dividends Declared per Share 0.41 1.58 1.44 1.32 1.26
EPS after Extra 0.76 3.23 3.24 3.03 2.32
EPS after Extra Growth (%) (5) (0.30) 6.90 30.60 5.90
Core EPS 0.82 3.53 3.50 2.83 2.41
Core EPS Growth (%) (5.60) 0.90 23.70 17.20 2.30
Diluted EPS before Amortization 0.83 3.54 3.59 3.37 2.44
Pre-Provision Earnings per Share 0.83 3.34 3.38 2.57 2.37
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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