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Financial Highlights

Financial Highlights
2019 FQ4
12/31/2019
2018 FQ4
12/31/2018
Y-Y Ch (%)
2019 FQ3
9/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 17,562,990 13,765,599 27.59 17,441,035 2.80
Total Net Loans 12,624,047 9,675,162 30.48 12,335,385 9.36
Total Deposits 13,304,981 9,970,960 33.44 13,044,712 7.98
Equity Attributable to Parent Company 2,513,102 1,924,581 30.58 2,525,031 (1.89)
Total Equity 2,513,102 1,924,581 30.58 2,525,031 (1.89)
Profitability (%)
Net Income($000) 55,836 44,085 26.66 53,238 19.52
Net Income Attributable to Parent($000) 55,836 44,085 26.66 53,238 19.52
ROAA 1.28 1.30 (2) bp 1.24 4 bp
Core ROAA 1.39 1.40 (1) bp 1.39 0 bp
ROAE 8.88 9.28 (40) bp 8.42 46 bp
ROATCE 15.79 16.55 (76) bp 15.02 77 bp
Core ROAE 9.64 10.01 (37) bp 9.46 18 bp
Net Interest Margin 3.57 3.73 (16) bp 3.67 (10) bp
Reported: Net Interest Margin 3.55 3.70 (15) bp 3.64 (9) bp
Efficiency Ratio 52.26 51.49 77 bp 50.65 161 bp
Noninterest Inc/ Operating Rev 17.58 17.01 57 bp 18.84 (126) bp
Balance Sheet Ratios (%)
Loans/ Deposits 94.78 97.45 (267) bp 94.34 44 bp
Securities/ Assets 14.98 17.37 (239) bp 14.95 3 bp
Total Equity/ Total Assets 14.31 13.98 33 bp 14.48 (17) bp
Tangible Equity/ Tangible Assets 9.08 8.84 24 bp 9.23 (15) bp
Tang Common Equity/ Tang Assets 9.08 8.84 24 bp 9.23 (15) bp
Asset Quality (%)
NPAs/ Assets 0.28 0.38 (10) bp 0.30 (2) bp
NPA Excl Restructured/ Assets 0.19 0.24 (5) bp 0.21 (2) bp
NPAs & 90+ PD/ Assets 0.35 0.45 (10) bp 0.36 (1) bp
NPAs/ Loans & REO 0.38 0.54 (16) bp 0.42 (4) bp
Nonaccrual & 90+ & OREO/ Assets 0.26 0.31 (5) bp 0.28 (2) bp
NPAs & 90+ PD/ Loans & REO 0.49 0.63 (14) bp 0.51 (2) bp
NPA & Loans 90+/ Tangible Common Equity + LLR 4.01 5.19 (118) bp 4.08 (7) bp
NCOs/ Avg Loans 0.15 0.21 (6) bp 0.25 (10) bp
Loan Loss Reserves/ Gross Loans 0.33 0.42 (9) bp 0.35 (2) bp
Reserves/ NPAs 86.98 77.63 935 bp 84.97 201 bp
Loan Loss Provision/ NCO 67.01 95.14 (2,813) bp 117.53 (5,052) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,437,908 1,106,871 29.91 1,441,259 (0.93)
Tier 1 Capital($000) 1,437,908 1,236,709 16.27 1,441,259 (0.93)
Tier 2 Capital($000) 335,927 199,002 68.81 337,436 (1.79)
Total Capital($000) 1,773,835 1,435,711 23.55 1,778,695 (1.09)
Total Risk-weighted Assets($000) 14,042,949 11,146,898 25.98 13,752,804 8.44
Tier 1 Common Capital (CET1) Ratio(%) 10.24 9.93 31 bp 10.48 (24) bp
Tier 1 Ratio(%) 10.24 11.09 (85) bp 10.48 (24) bp
Total Capital Ratio(%) 12.63 12.88 (25) bp 12.93 (30) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 8.79 9.71 (92) bp 8.94 (15) bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 80,001,185 65,977,149 21.26 81,147,896 (5.65)
Avg Diluted Shares(actual) 80,502,269 66,013,326 21.95 81,832,868 (6.50)
Basic Book Value per Share 31.41 29.17 7.68 31.12 3.73
Book Value per Share, As Reported 31.58 29.34 7.63 31.29 3.71
Basic Tangible Book Value per Share 18.80 17.41 7.98 18.69 2.35
Tangible Book Value per Share, As Reported 18.90 17.51 7.94 18.80 2.13
Common Dividends Declared per Share 0.25 0.23 8.70 0.25 0
EPS after Extra 0.69 0.67 2.99 0.65 24.62
EPS after Extra Growth(%) 3 91.40 (8,844) bp 12.10 (908) bp
Core EPS 0.75 0.72 4.17 0.73 10.96
Core EPS Growth(%) 3.70 34.20 (3,047) bp 10 (630) bp
Diluted EPS before Amortization 0.75 0.71 5.63 0.71 22.54
Pre-Provision Earnings per Share 0.70 0.71 (1.41) 0.74 (21.62)

   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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