Email page PDF view Excel download Print view Email Alert Social media sharing

Financial Highlights

Financial Highlights
2019 FQ1
3/31/2019
2018 FQ1
3/31/2018
Y-Y Ch (%)
2018 FQ4
12/31/2018
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 16,897,655 13,149,292 28.51 13,765,599 91.01
Total Net Loans 11,940,195 9,792,821 21.93 9,675,162 93.64
Total Deposits 12,489,330 9,677,955 29.05 9,970,960 101.03
Equity Attributable to Parent Company 2,459,465 1,831,077 34.32 1,924,581 111.17
Total Equity 2,459,465 1,831,077 34.32 1,924,581 111.17
Profitability (%)
Net Income($000) 35,631 16,639 114.14 44,085 (76.71)
Net Income Attributable to Parent($000) 35,631 16,639 114.14 44,085 (76.71)
ROAA 0.91 0.51 40 bp 1.30 (39) bp
Core ROAA 1.36 1.22 14 bp 1.40 (4) bp
ROAE 6.28 3.65 263 bp 9.28 (300) bp
ROATCE 11.36 5.98 538 bp 16.55 (519) bp
Core ROAE 9.45 8.70 75 bp 10.01 (56) bp
Net Interest Margin 3.75 3.67 8 bp 3.73 2 bp
Reported: Net Interest Margin 3.80 3.72 8 bp 3.70 10 bp
Efficiency Ratio 53.94 56.56 (262) bp 51.49 245 bp
Noninterest Inc/ Operating Rev 16.27 15.28 99 bp 17.01 (74) bp
Balance Sheet Ratios (%)
Loans/ Deposits 95.70 101.32 (562) bp 97.45 (175) bp
Securities/ Assets 16.60 11.84 476 bp 17.37 (77) bp
Total Equity/ Total Assets 14.56 13.93 63 bp 13.98 58 bp
Tangible Equity/ Tangible Assets 9.09 8.54 55 bp 8.84 25 bp
Tang Common Equity/ Tang Assets 9.09 8.54 55 bp 8.84 25 bp
Asset Quality (%)
NPAs/ Assets 0.31 0.35 (4) bp 0.38 (7) bp
NPA Excl Restructured/ Assets 0.19 0.25 (6) bp 0.24 (5) bp
NPAs & 90+ PD/ Assets 0.38 0.37 1 bp 0.45 (7) bp
NPAs/ Loans & REO 0.44 0.47 (3) bp 0.54 (10) bp
Nonaccrual & 90+ & OREO/ Assets 0.26 0.27 (1) bp 0.31 (5) bp
NPAs & 90+ PD/ Loans & REO 0.53 0.50 3 bp 0.63 (10) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.31 4.48 (17) bp 5.19 (88) bp
NCOs/ Avg Loans 0.15 0.04 11 bp 0.21 (6) bp
Loan Loss Reserves/ Gross Loans 0.34 0.41 (7) bp 0.42 (8) bp
Reserves/ NPAs 77.03 87.36 (1,033) bp 77.63 (60) bp
Loan Loss Provision/ NCO 94.86 326.60 (23,174) bp 95.14 (28) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,392,809 1,007,662 38.22 1,106,871 103.33
Tier 1 Capital($000) 1,392,809 1,136,939 22.51 1,236,709 50.49
Tier 2 Capital($000) 334,764 198,861 68.34 199,002 272.89
Total Capital($000) 1,727,573 1,335,800 29.33 1,435,711 81.31
Total Risk-weighted Assets($000) 13,577,766 11,156,746 21.70 11,146,898 87.23
Tier 1 Common Capital (CET1) Ratio(%) 10.26 9.03 123 bp 9.93 33 bp
Tier 1 Ratio(%) 10.26 10.19 7 bp 11.09 (83) bp
Total Capital Ratio(%) 12.72 11.97 75 bp 12.88 (16) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.51 9.32 19 bp 9.71 (20) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 82,037,354 65,895,421 24.50 65,977,149 97.37
Avg Diluted Shares(actual) 76,533,066 65,636,262 16.60 66,013,326 63.74
Basic Book Value per Share 29.98 27.79 7.88 29.17 11.11
Book Value per Share, As Reported 30.16 27.87 8.22 29.34 11.18
Basic Tangible Book Value per Share 17.59 16.04 9.66 17.41 4.14
Tangible Book Value per Share, As Reported 17.69 16.14 9.60 17.51 4.11
Common Dividends Declared per Share 0.23 0.21 9.52 0.23 0
EPS after Extra 0.47 0.25 88 0.67 (119.40)
EPS after Extra Growth(%) 88 (43.20) 13,118 bp 91.40 (343) bp
Core EPS 0.71 0.60 18.33 0.72 (5.56)
Core EPS Growth(%) 18.40 30 (1,158) bp 34.20 (1,575) bp
Diluted EPS before Amortization 0.53 0.30 76.67 0.71 (101.41)
Pre-Provision Earnings per Share 0.67 0.57 17.54 0.71 (22.54)

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


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.