Financial Highlights
Financial Highlights
2019 FQ1 YTD
3/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 11,740,285 11,871,317 9,763,209 9,793,668
Total Net Loans 8,641,214 8,759,141 7,550,581 7,611,504
Total Deposits 9,376,229 9,477,048 8,183,431 8,121,414
Equity Attributable to Parent Company 1,511,191 1,478,595 1,272,626 1,305,710
Total Equity 1,511,191 1,478,595 1,272,626 1,305,710
Profitability (%)
Net Income($000) 33,346 136,515 60,776 85,385
Net Income Attributable to Parent($000) 33,346 136,515 60,776 85,385
ROAA 1.13 1.29 0.60 0.87
Core ROAA 1.25 1.35 0.99 0.99
ROAE 8.89 10.45 4.57 6.41
ROATCE 12.38 13.72 6.14 8.56
Core ROAE 9.84 10.95 7.60 7.30
Net Interest Margin 4.31 4.43 4.24 4.20
Reported: Net Interest Margin 4.37 4.43 4.24 4.20
Efficiency Ratio 63.59 63.46 67.33 66.05
Noninterest Inc/ Operating Rev 13.28 15.98 16.04 16.73
Balance Sheet Ratios (%)
Loans/ Deposits 92.71 91.64 92.86 91.75
Securities/ Assets 15.98 16.28 12.46 11.39
Total Equity/ Total Assets 12.87 12.46 13.03 13.33
Tangible Equity/ Tangible Assets 10.04 9.62 10.61 10.83
Tang Common Equity/ Tang Assets 10.04 9.62 10.61 10.83
Asset Quality (%)
NPAs/ Assets 0.29 0.26 0.43 0.52
NPA Excl Restructured/ Assets 0.18 0.15 0.27 0.32
NPAs & 90+ PD/ Assets 0.30 0.27 0.45 0.54
NPAs/ Loans & REO 0.39 0.35 0.55 0.66
Nonaccrual & 90+ & OREO/ Assets 0.19 0.16 0.28 0.35
NPAs & 90+ PD/ Loans & REO 0.40 0.36 0.57 0.68
NPA & Loans 90+/ Tangible Common Equity + LLR 2.82 2.68 3.98 4.72
NCOs/ Avg Loans 0.05 0.01 0.06 (0.03)
Loan Loss Reserves/ Gross Loans 1.11 1.09 1.17 1.12
Reserves/ NPAs 283.64 307.54 211.34 170.02
Loan Loss Provision/ NCO 169.92 NM 161 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,087,804 1,067,155 994,080 1,014,994
Tier 1 Capital($000) 1,223,804 1,203,155 1,123,154 1,125,267
Tier 2 Capital($000) 99,907 99,084 91,477 89,646
Total Capital($000) 1,323,711 1,302,239 1,214,631 1,214,913
Total Risk-weighted Assets($000) 9,780,390 9,925,896 8,793,848 9,069,572
Tier 1 Common Capital (CET1) Ratio(%) 11.13 10.75 11.30 11.19
Tier 1 Ratio(%) 12.53 12.12 12.77 12.41
Total Capital Ratio(%) 13.55 13.12 13.81 13.40
Liquidity Coverage Ratio(%) NA NA NA NA
Leverage Ratio(%) 10.73 10.98 11.34 11.83
Basel III Leverage Ratio(%) NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 35,152,746 35,182,772 32,726,485 33,193,387
Avg Diluted Shares(actual) 35,172,056 32,894,425 32,986,707 33,853,511
Basic Book Value per Share 42.99 42.03 38.89 39.34
Book Value per Share, As Reported 42.99 42.03 38.89 39.34
Basic Tangible Book Value per Share 32.47 31.45 30.78 31.06
Tangible Book Value per Share, As Reported 32.47 31.45 30.78 31.06
Common Dividends Declared per Share 0.41 1.96 2 0.88
EPS after Extra 0.95 4.15 1.84 2.52
EPS after Extra Growth(%) 6.70 125.50 (27) 33.30
Core EPS 1.05 4.35 3.06 2.87
Diluted EPS before Amortization 1.01 4.34 2.03 2.74
Pre-Provision Earnings per Share 1.05 4.35 2.94 2.81
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