Financial Highlights
Financial Highlights
2018 FQ4 YTD
12/31/2018
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 11,871,317 11,871,317 9,763,209 9,793,668
Total Net Loans 8,759,141 8,759,141 7,550,581 7,611,504
Total Deposits 9,477,048 9,477,048 8,183,431 8,121,414
Equity Attributable to Parent Company 1,478,595 1,478,595 1,272,626 1,305,710
Total Equity 1,478,595 1,478,595 1,272,626 1,305,710
Profitability (%)
Net Income($000) 136,515 136,515 60,776 85,385
Net Income Attributable to Parent($000) 136,515 136,515 60,776 85,385
ROAA 1.29 1.29 0.60 0.87
Core ROAA 1.35 1.35 0.99 0.99
ROAE 10.45 10.45 4.57 6.41
ROATCE 13.72 13.72 6.14 8.56
Core ROAE 10.95 10.95 7.60 7.30
Net Interest Margin 4.43 4.43 4.24 4.20
Reported: Net Interest Margin 4.43 4.43 4.24 4.20
Efficiency Ratio 63.46 63.46 67.33 66.05
Noninterest Inc/ Operating Rev 15.98 15.98 16.04 16.73
Balance Sheet Ratios (%)
Loans/ Deposits 91.64 91.64 92.86 91.75
Securities/ Assets 16.28 16.28 12.46 11.39
Total Equity/ Total Assets 12.46 12.46 13.03 13.33
Tangible Equity/ Tangible Assets 9.62 9.62 10.61 10.83
Tang Common Equity/ Tang Assets 9.62 9.62 10.61 10.83
Asset Quality (%)
NPAs/ Assets 0.26 0.26 0.43 0.52
NPA Excl Restructured/ Assets 0.15 0.15 0.27 0.32
NPAs & 90+ PD/ Assets 0.27 0.27 0.45 0.54
NPAs/ Loans & REO 0.35 0.35 0.55 0.66
Nonaccrual & 90+ & OREO/ Assets 0.16 0.16 0.28 0.35
NPAs & 90+ PD/ Loans & REO 0.36 0.36 0.57 0.68
NPA & Loans 90+/ Tangible Common Equity + LLR 2.68 2.68 3.98 4.72
NCOs/ Avg Loans 0.01 0.01 0.06 (0.03)
Loan Loss Reserves/ Gross Loans 1.09 1.09 1.17 1.12
Reserves/ NPAs 307.54 307.54 211.34 170.02
Loan Loss Provision/ NCO NM NM 161 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,067,155 1,067,155 994,080 1,014,994
Tier 1 Capital($000) 1,203,155 1,203,155 1,123,154 1,125,267
Tier 2 Capital($000) 99,084 99,084 91,477 89,646
Total Capital($000) 1,302,239 1,302,239 1,214,631 1,214,913
Total Risk-weighted Assets($000) 9,925,896 9,925,896 8,793,848 9,069,572
Tier 1 Common Capital (CET1) Ratio(%) 10.75 10.75 11.30 11.19
Tier 1 Ratio(%) 12.12 12.12 12.77 12.41
Total Capital Ratio(%) 13.12 13.12 13.81 13.40
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 10.98 10.98 11.34 11.83
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 35,182,772 35,182,772 32,726,485 33,193,387
Avg Diluted Shares(actual) 32,894,425 32,894,425 32,986,707 33,853,511
Basic Book Value per Share 42.03 42.03 38.89 39.34
Book Value per Share, As Reported 42.03 42.03 38.89 39.34
Basic Tangible Book Value per Share 31.45 31.45 30.78 31.06
Tangible Book Value per Share, As Reported 31.45 31.45 30.78 31.06
Common Dividends Declared per Share 1.96 1.96 2 0.88
EPS after Extra 4.15 4.15 1.84 2.52
EPS after Extra Growth(%) 125.50 125.50 (27) 33.30
Core EPS 4.35 4.35 3.06 2.87
Diluted EPS before Amortization 4.34 4.34 2.03 2.74
Pre-Provision Earnings per Share 4.35 4.35 2.94 2.81
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