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
2015 FY
12/31/2015
Balance Sheet ($000)
Total Assets 29,956,607 31,383,307 30,359,541 14,178,447 11,955,952
Total Net Loans 20,058,485 20,688,832 19,936,322 9,505,497 7,843,325
Total Deposits 21,225,639 21,214,148 20,538,204 10,068,259 8,580,007
Equity Attributable to Parent Company 4,419,223 4,428,853 4,240,178 1,855,183 1,665,073
Total Equity 4,419,223 4,428,853 4,240,178 1,855,183 1,665,073
Profitability (%)
Net Income($000) 101,437 447,254 93,031 139,972 66,114
Net Income Attributable to Parent($000) 101,437 447,254 93,031 139,972 66,114
ROAA 1.32 1.45 0.50 1.09 0.69
Core ROAA 1.54 1.55 1.28 1.17 1.13
ROAE 9.19 10.30 3.72 8.05 4.86
ROATCE 16.43 18.58 6.29 15.21 10.04
Core ROAE 10.72 10.94 9.44 8.69 7.95
Net Interest Margin 3.48 3.56 3.54 3.53 3.65
Reported: Net Interest Margin 3.54 3.57 3.55 3.55 3.67
Efficiency Ratio 39.16 38.69 41.26 45.79 50.70
Noninterest Inc/ Operating Rev 12.22 9.55 10.07 13.15 15.72
Balance Sheet Ratios (%)
Loans/ Deposits 93.79 90.59 97.42 94.63 91.60
Securities/ Assets 20.74 22.42 22.26 22.95 23.09
Total Equity/ Total Assets 14.75 14.11 13.97 13.08 13.93
Tangible Equity/ Tangible Assets 9.36 9.06 8.76 8.14 8.18
Tang Common Equity/ Tang Assets 8.87 8.60 8.27 8.14 8.18
Asset Quality (%)
NPAs/ Assets 0.71 0.70 0.75 0.72 0.79
NPA Excl Restructured/ Assets 0.61 0.59 0.70 0.64 0.67
NPAs & 90+ PD/ Assets 0.72 0.71 0.75 0.73 0.79
NPAs/ Loans & REO 1.05 1.06 1.13 1.07 1.19
Nonaccrual & 90+ & OREO/ Assets 0.62 0.60 0.71 0.65 0.68
NPAs & 90+ PD/ Loans & REO 1.07 1.07 1.14 1.08 1.20
NPA & Loans 90+/ Tangible Common Equity + LLR 8.33 8.45 9.32 8.98 9.79
NCOs/ Avg Loans 0.13 0.14 0.10 0.08 0.13
Loan Loss Reserves/ Gross Loans 0.49 0.46 0.39 0.66 0.64
Reserves/ NPAs 46.54 43.28 34.32 62.33 53.32
Loan Loss Provision/ NCO 147.46 162.95 221.94 306.61 198.01
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,539,554 2,649,593 2,458,449 1,160,739 988,174
Tier 1 Capital($000) 2,677,772 2,788,016 2,597,669 1,160,739 988,174
Tier 2 Capital($000) 244,437 239,108 220,735 216,808 50,694
Total Capital($000) 2,922,209 3,027,124 2,818,404 1,377,547 1,038,868
Total Risk-weighted Assets($000) 21,203,858 21,528,735 19,879,051 10,819,002 9,201,047
Tier 1 Common Capital (CET1) Ratio(%) 11.98 12.31 12.37 10.73 10.74
Tier 1 Ratio(%) 12.63 12.95 13.07 10.73 10.74
Total Capital Ratio(%) 13.78 14.06 14.18 12.73 11.29
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.21 9.50 9.39 8.95 9.03
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 209,560,824 216,227,852 224,782,694 135,257,570 130,006,926
Avg Diluted Shares(actual) 213,505,842 224,816,996 158,124,270 131,234,462 110,329,353
Basic Book Value per Share 20.43 19.84 18.24 13.72 12.81
Book Value per Share, As Reported 20.43 19.84 18.24 13.72 12.81
Basic Tangible Book Value per Share 11.92 11.78 10.53 8.08 7.05
Tangible Book Value per Share, As Reported 11.92 11.78 10.53 8.08 7.05
Common Dividends Declared per Share 0.07 0.28 0.28 0.28 0.28
EPS after Extra 0.47 1.95 0.58 1.07 0.60
EPS after Extra Growth(%) 9.30 236.20 (45.80) 78.30 (14.30)
Core EPS 0.55 2.07 1.49 1.16 0.98
Core EPS Growth(%) 16.90 39.30 29 17.60 17.80
Diluted EPS before Amortization 0.49 2.05 0.66 1.16 0.69
Pre-Provision Earnings per Share 0.58 2.15 1.44 1.15 0.99
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