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Financial Highlights

Financial Highlights
2019 FQ2
6/30/2019
2018 FQ2
6/30/2018
Y-Y Ch (%)
2019 FQ1
3/31/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 17,159,384 13,066,106 31.33 16,897,655 6.20
Total Net Loans 12,240,959 9,289,179 31.78 11,940,195 10.08
Total Deposits 12,515,544 9,797,272 27.75 12,489,330 0.84
Equity Attributable to Parent Company 2,512,295 1,864,870 34.72 2,459,465 8.59
Total Equity 2,512,295 1,864,870 34.72 2,459,465 8.59
Profitability (%)
Net Income($000) 48,823 47,327 3.16 35,631 148.10
Net Income Attributable to Parent($000) 48,823 47,327 3.16 35,631 148.10
ROAA 1.15 1.43 (28) bp 0.91 24 bp
Core ROAA 1.46 1.32 14 bp 1.36 10 bp
ROAE 7.84 10.25 (241) bp 6.28 156 bp
ROATCE 14.30 18.86 (456) bp 11.36 294 bp
Core ROAE 9.95 9.44 51 bp 9.45 50 bp
Net Interest Margin 3.77 3.78 (1) bp 3.75 2 bp
Reported: Net Interest Margin 3.78 3.79 (1) bp 3.80 (2) bp
Efficiency Ratio 50.93 54.87 (394) bp 53.94 (301) bp
Noninterest Inc/ Operating Rev 18.05 15.46 259 bp 16.27 178 bp
Balance Sheet Ratios (%)
Loans/ Deposits 97.64 94.82 282 bp 95.70 194 bp
Securities/ Assets 15.76 13.31 245 bp 16.60 (84) bp
Total Equity/ Total Assets 14.64 14.27 37 bp 14.56 8 bp
Tangible Equity/ Tangible Assets 9.28 8.86 42 bp 9.09 19 bp
Tang Common Equity/ Tang Assets 9.28 8.86 42 bp 9.09 19 bp
Asset Quality (%)
NPAs/ Assets 0.31 0.37 (6) bp 0.31 0 bp
NPA Excl Restructured/ Assets 0.20 0.25 (5) bp 0.19 1 bp
NPAs & 90+ PD/ Assets 0.36 0.42 (6) bp 0.38 (2) bp
NPAs/ Loans & REO 0.43 0.52 (9) bp 0.44 (1) bp
Nonaccrual & 90+ & OREO/ Assets 0.25 0.30 (5) bp 0.26 (1) bp
NPAs & 90+ PD/ Loans & REO 0.50 0.59 (9) bp 0.53 (3) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.02 4.91 (89) bp 4.31 (29) bp
NCOs/ Avg Loans 0.14 0.07 7 bp 0.15 (1) bp
Loan Loss Reserves/ Gross Loans 0.35 0.44 (9) bp 0.34 1 bp
Reserves/ NPAs 79.95 84.92 (497) bp 77.03 292 bp
Loan Loss Provision/ NCO 138.37 149.52 (1,115) bp 94.86 4,351 bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,433,870 1,043,729 37.38 1,392,809 11.79
Tier 1 Capital($000) 1,433,870 1,173,192 22.22 1,392,809 11.79
Tier 2 Capital($000) 335,861 199,013 68.76 334,764 1.31
Total Capital($000) 1,769,732 1,372,205 28.97 1,727,573 9.76
Total Risk-weighted Assets($000) 13,607,484 10,645,676 27.82 13,577,766 0.88
Tier 1 Common Capital (CET1) Ratio(%) 10.54 9.80 74 bp 10.26 28 bp
Tier 1 Ratio(%) 10.54 11.02 (48) bp 10.26 28 bp
Total Capital Ratio(%) 13.01 12.89 12 bp 12.72 29 bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9 9.46 (46) bp 9.51 (51) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 82,086,736 65,939,375 24.49 82,037,354 0.24
Avg Diluted Shares(actual) 82,125,194 65,965,577 24.50 76,533,066 29.23
Basic Book Value per Share 30.61 28.28 8.24 29.98 8.41
Book Value per Share, As Reported 30.78 28.47 8.11 30.16 8.22
Basic Tangible Book Value per Share 18.26 16.51 10.60 17.59 15.24
Tangible Book Value per Share, As Reported 18.36 16.62 10.47 17.69 15.15
Common Dividends Declared per Share 0.23 0.21 9.52 0.23 0
EPS after Extra 0.59 0.72 (18.06) 0.47 102.13
EPS after Extra Growth(%) (18.10) 75.60 (9,367) bp 88 (10,606) bp
Core EPS 0.75 0.66 13.64 0.71 22.54
Core EPS Growth(%) 12.80 43.80 (3,100) bp 18.40 (561) bp
Diluted EPS before Amortization 0.65 0.78 (16.67) 0.53 90.57
Pre-Provision Earnings per Share 0.72 0.63 14.29 0.67 29.85

   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.


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