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Financial Highlights

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Financial Highlights
2019 FQ2 YTD
6/30/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 8,670,003 8,389,137 7,479,029 6,890,096 6,075,577
Total Net Loans 7,358,035 6,940,757 6,371,866 5,670,448 4,993,173
Total Deposits 6,949,892 6,974,285 5,853,984 5,716,114 5,158,444
Equity Attributable to Parent Company 1,184,582 1,108,941 950,438 842,799 738,601
Total Equity 1,184,582 1,108,941 950,438 842,799 738,601
Profitability (%)
Net Income($000) 70,992 152,276 100,232 97,707 84,167
Net Income Attributable to Parent($000) 70,992 152,276 100,232 97,707 84,167
ROAA 1.67 1.91 1.41 1.52 1.49
Core ROAA 1.76 1.92 1.61 1.52 1.48
ROATCE 13.68 16.69 12.59 14.30 14.78
Net Interest Margin 3.95 4.12 4.17 4.19 4.37
Reported: Net Interest Margin 3.97 4.10 4.15 4.16 4.33
Efficiency Ratio 37.29 36.90 37.67 39.63 42.08
Noninterest Inc/ Operating Rev 6.44 6.62 8.96 8.96 9.55
Balance Sheet Ratios (%)
Loans/ Deposits 106.37 100.25 109.52 99.33 96.90
Securities/ Assets 8.99 9.63 8.36 8.12 8.31
Total Equity/ Total Assets 13.66 13.22 12.71 12.23 12.16
Tangible Equity/ Tangible Assets 12.61 12.11 11.45 10.85 10.56
Tang Common Equity/ Tang Assets 12.61 12.11 11.45 10.85 10.56
Asset Quality (%)
NPAs/ Assets 0.46 0.36 0.34 0.41 0.51
NPA Excl Restructured/ Assets 0.43 0.19 0.18 0.30 0.31
NPAs & 90+ PD/ Assets 0.46 0.36 0.34 0.41 0.51
NPAs/ Loans & REO 0.54 0.43 0.40 0.50 0.61
Nonaccrual & 90+ & OREO/ Assets 0.43 0.19 0.18 0.30 0.31
NPAs & 90+ PD/ Loans & REO 0.54 0.43 0.40 0.50 0.61
NPA & Loans 90+/ Tangible Common Equity + LLR 3.49 2.78 2.81 3.58 4.53
NCOs/ Avg Loans 0.13 0.05 0.06 0.09 0.17
Loan Loss Reserves/ Gross Loans 0.97 1 1.01 1.03 1.04
Reserves/ NPAs 179.14 234.10 253.19 207.33 170.36
Loan Loss Provision/ NCO 144.46 249.28 272.92 229.19 182.38
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,075,087 1,007,438 845,123 737,512 632,408
Tier 1 Capital($000) 1,075,087 1,007,438 845,123 737,512 632,408
Tier 2 Capital($000) 292,140 289,989 284,831 279,200 122,804
Total Capital($000) 1,367,227 1,297,427 1,129,954 1,016,712 755,212
Total Risk-weighted Assets($000) 8,355,341 8,067,249 7,525,159 6,827,226 5,921,202
Tier 1 Common Capital (CET1) Ratio(%) 12.87 12.49 11.23 10.80 10.68
Tier 1 Ratio(%) 12.87 12.49 11.23 10.80 10.68
Total Capital Ratio(%) 16.36 16.08 15.02 14.89 12.75
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 12.66 12.10 11.45 10.72 10.90
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 34,539,853 34,387,919 34,185,163 34,023,850 33,467,893
Avg Diluted Shares(actual) 34,549,412 34,443,040 34,320,639 34,181,616 33,479,592
Basic Book Value per Share 34.30 32.25 27.80 24.77 22.07
Book Value per Share, As Reported 34.30 32.25 27.80 24.77 22.07
Basic Tangible Book Value per Share 31.26 29.18 24.70 21.63 18.84
Tangible Book Value per Share, As Reported 31.25 29.17 24.68 21.61 18.83
EPS after Extra 2.05 4.42 2.92 2.86 2.50
EPS after Extra Growth(%) (3.30) 51.40 2.10 14.40 28.20
Core EPS 2.17 4.44 3.33 2.86 2.48
Core EPS Growth(%) 1.80 33.50 16.30 15.20 19.80
Diluted EPS before Amortization 2.06 4.45 2.94 2.90 2.54
Pre-Provision Earnings per Share 2.47 4.88 3.65 3.22 2.85
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.