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Financial Highlights

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 17,441,035 13,371,742 30.43 17,159,384 6.57
Total Net Loans 12,335,385 9,370,664 31.64 12,240,959 3.09
Total Deposits 13,044,712 9,834,695 32.64 12,515,544 16.91
Equity Attributable to Parent Company 2,525,031 1,880,029 34.31 2,512,295 2.03
Total Equity 2,525,031 1,880,029 34.31 2,512,295 2.03
Profitability (%)
Net Income($000) 53,238 38,197 39.38 48,823 36.17
Net Income Attributable to Parent($000) 53,238 38,197 39.38 48,823 36.17
ROAA 1.24 1.18 6 bp 1.15 9 bp
Core ROAA 1.39 1.35 4 bp 1.46 (7) bp
ROAE 8.42 8.12 30 bp 7.84 58 bp
ROATCE 15.02 14.86 16 bp 14.30 72 bp
Core ROAE 9.46 9.29 17 bp 9.95 (49) bp
Net Interest Margin 3.67 3.79 (12) bp 3.77 (10) bp
Reported: Net Interest Margin 3.64 3.76 (12) bp 3.78 (14) bp
Efficiency Ratio 50.65 55.54 (489) bp 50.93 (28) bp
Noninterest Inc/ Operating Rev 18.84 16.36 248 bp 18.05 79 bp
Balance Sheet Ratios (%)
Loans/ Deposits 94.34 95.70 (136) bp 97.64 (330) bp
Securities/ Assets 14.95 16.89 (194) bp 15.76 (81) bp
Total Equity/ Total Assets 14.48 14.06 42 bp 14.64 (16) bp
Tangible Equity/ Tangible Assets 9.23 8.74 49 bp 9.28 (5) bp
Tang Common Equity/ Tang Assets 9.23 8.74 49 bp 9.28 (5) bp
Asset Quality (%)
NPAs/ Assets 0.30 0.41 (11) bp 0.31 (1) bp
NPA Excl Restructured/ Assets 0.21 0.26 (5) bp 0.20 1 bp
NPAs & 90+ PD/ Assets 0.36 0.48 (12) bp 0.36 0 bp
NPAs/ Loans & REO 0.42 0.58 (16) bp 0.43 (1) bp
Nonaccrual & 90+ & OREO/ Assets 0.28 0.33 (5) bp 0.25 3 bp
NPAs & 90+ PD/ Loans & REO 0.51 0.68 (17) bp 0.50 1 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.08 5.63 (155) bp 4.02 6 bp
NCOs/ Avg Loans 0.25 0.14 11 bp 0.14 11 bp
Loan Loss Reserves/ Gross Loans 0.35 0.44 (9) bp 0.35 0 bp
Reserves/ NPAs 84.97 75.40 957 bp 79.95 502 bp
Loan Loss Provision/ NCO 117.53 98.13 1,940 bp 138.37 (2,084) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,441,259 1,069,539 34.76 1,433,870 2.06
Tier 1 Capital($000) 1,441,259 1,199,189 20.19 1,433,870 2.06
Tier 2 Capital($000) 337,436 199,301 69.31 335,861 1.88
Total Capital($000) 1,778,695 1,398,491 27.19 1,769,732 2.03
Total Risk-weighted Assets($000) 13,752,804 10,780,051 27.58 13,607,484 4.27
Tier 1 Common Capital (CET1) Ratio(%) 10.48 9.92 56 bp 10.53 (5) bp
Tier 1 Ratio(%) 10.48 11.12 (64) bp 10.53 (5) bp
Total Capital Ratio(%) 12.93 12.97 (4) bp 13 (7) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.94 9.89 (95) bp 9 (6) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 81,147,896 65,982,669 22.98 82,086,736 (4.57)
Avg Diluted Shares(actual) 81,832,868 66,013,152 23.96 82,125,194 (1.42)
Basic Book Value per Share 31.12 28.49 9.23 30.61 6.66
Book Value per Share, As Reported 31.29 28.68 9.10 30.78 6.63
Basic Tangible Book Value per Share 18.69 16.68 12.05 18.26 9.42
Tangible Book Value per Share, As Reported 18.80 16.79 11.97 18.36 9.59
Common Dividends Declared per Share 0.25 0.23 8.70 0.23 34.78
EPS after Extra 0.65 0.58 12.07 0.59 40.68
EPS after Extra Growth(%) 12.10 23.40 (1,133) bp (18.10) 3,013 bp
Core EPS 0.73 0.66 10.61 0.75 (10.67)
Core EPS Growth(%) 10 34.10 (2,410) bp 12.80 (281) bp
Diluted EPS before Amortization 0.71 0.63 12.70 0.65 36.92
Pre-Provision Earnings per Share 0.74 0.62 19.35 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.


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