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Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 17,562,990 13,371,742 31.34 17,159,384 9.41
Total Net Loans 12,624,047 9,370,664 34.72 12,240,959 12.52
Total Deposits 13,304,981 9,834,695 35.29 12,515,544 25.23
Equity Attributable to Parent Company 2,513,102 1,880,029 33.67 2,512,295 0.13
Total Equity 2,513,102 1,880,029 33.67 2,512,295 0.13
Profitability (%)
Net Income($000) 55,836 38,197 46.18 48,823 57.46
Net Income Attributable to Parent($000) 55,836 38,197 46.18 48,823 57.46
ROAA 1.28 1.18 10 bp 1.15 13 bp
Core ROAA 1.39 1.35 4 bp 1.46 (7) bp
ROAE 8.88 8.12 76 bp 7.84 104 bp
ROATCE 15.79 14.86 93 bp 14.30 149 bp
Core ROAE 9.64 9.29 35 bp 9.95 (31) bp
Net Interest Margin 3.57 3.79 (22) bp 3.77 (20) bp
Reported: Net Interest Margin 3.55 3.76 (21) bp 3.78 (23) bp
Efficiency Ratio 52.65 55.54 (289) bp 50.93 172 bp
Noninterest Inc/ Operating Rev 17.58 16.36 122 bp 18.05 (47) bp
Balance Sheet Ratios (%)
Loans/ Deposits 94.78 95.70 (92) bp 97.64 (286) bp
Securities/ Assets 14.98 16.89 (191) bp 15.76 (78) bp
Total Equity/ Total Assets 14.31 14.06 25 bp 14.64 (33) bp
Tangible Equity/ Tangible Assets 9.08 8.74 34 bp 9.28 (20) bp
Tang Common Equity/ Tang Assets 9.08 8.74 34 bp 9.28 (20) bp
Asset Quality (%)
NPAs/ Assets 0.28 0.41 (13) bp 0.31 (3) bp
NPA Excl Restructured/ Assets 0.19 0.26 (7) bp 0.20 (1) bp
NPAs & 90+ PD/ Assets 0.35 0.48 (13) bp 0.36 (1) bp
NPAs/ Loans & REO 0.38 0.58 (20) bp 0.43 (5) bp
Nonaccrual & 90+ & OREO/ Assets 0.26 0.33 (7) bp 0.25 1 bp
NPAs & 90+ PD/ Loans & REO 0.49 0.68 (19) bp 0.50 (1) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.01 5.63 (162) bp 4.02 (1) bp
NCOs/ Avg Loans 0.15 0.14 1 bp 0.14 1 bp
Loan Loss Reserves/ Gross Loans 0.33 0.44 (11) bp 0.35 (2) bp
Reserves/ NPAs 86.98 75.40 1,158 bp 79.95 703 bp
Loan Loss Provision/ NCO 67.01 98.13 (3,112) bp 138.37 (7,136) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,437,908 1,069,539 34.44 1,433,870 1.13
Tier 1 Capital($000) 1,437,908 1,199,189 19.91 1,433,870 1.13
Tier 2 Capital($000) 335,927 199,301 68.55 335,861 0.08
Total Capital($000) 1,773,835 1,398,491 26.84 1,769,732 0.93
Total Risk-weighted Assets($000) 14,042,070 10,780,051 30.26 13,607,484 12.77
Tier 1 Common Capital (CET1) Ratio(%) 10.24 9.92 32 bp 10.53 (29) bp
Tier 1 Ratio(%) 10.24 11.12 (88) bp 10.53 (29) bp
Total Capital Ratio(%) 12.64 12.97 (33) bp 13 (36) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.79 9.89 (110) bp 9 (21) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 80,001,185 65,982,669 21.25 82,086,736 (10.16)
Avg Diluted Shares(actual) 80,502,269 66,013,152 21.95 82,125,194 (7.90)
Basic Book Value per Share 31.41 28.49 10.25 30.61 10.45
Book Value per Share, As Reported 31.58 28.68 10.11 30.78 10.40
Basic Tangible Book Value per Share 18.80 16.68 12.71 18.26 11.83
Tangible Book Value per Share, As Reported 18.90 16.79 12.57 18.36 11.76
Common Dividends Declared per Share 0.25 0.23 8.70 0.23 34.78
EPS after Extra 0.69 0.58 18.97 0.59 67.80
EPS after Extra Growth(%) 3 23.40 (2,041) bp (18.10) 2,105 bp
Core EPS 0.75 0.66 13.64 0.75 0
Core EPS Growth(%) 3.70 34.10 (3,040) bp 12.80 (911) bp
Diluted EPS before Amortization 0.75 0.63 19.05 0.65 61.54
Pre-Provision Earnings per Share 0.70 0.62 12.90 0.72 (11.11)

   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.