Financial Highlights
2020 FQ2 YTD
6/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 30,839,893 30,586,497 31,383,307 30,359,541 14,178,447
Total Net Loans 21,974,215 21,342,099 20,688,832 19,936,322 9,505,497
Total Deposits 23,600,621 22,418,658 21,214,148 20,538,204 10,068,259
Equity Attributable to Parent Company 4,484,187 4,530,113 4,428,853 4,240,178 1,855,183
Total Equity 4,484,187 4,530,113 4,428,853 4,240,178 1,855,183
Profitability (%)
Net Income($000) 64,939 427,041 447,254 93,031 139,972
Net Income Attributable to Parent($000) 64,939 427,041 447,254 93,031 139,972
ROAA 0.42 1.42 1.45 0.50 1.09
Core ROAA 0.42 1.49 1.55 1.28 1.17
ROAE 2.90 9.57 10.30 3.72 8.05
ROATCE 5.29 17.03 18.58 6.29 15.21
Core ROAE 2.89 10.08 10.95 9.44 8.69
Net Interest Margin 3.16 3.48 3.56 3.54 3.53
Reported: Net Interest Margin 3.20 3.49 3.57 3.55 3.55
Efficiency Ratio 45.73 40.06 38.68 41.26 45.79
Noninterest Inc/ Operating Rev 12.30 11.35 9.55 10.07 13.15
Balance Sheet Ratios (%)
Loans/ Deposits 94.47 95.64 90.59 97.42 94.63
Securities/ Assets 15.37 17.42 22.42 22.26 22.95
Total Equity/ Total Assets 14.54 14.81 14.11 13.97 13.08
Tangible Equity/ Tangible Assets 9.29 9.50 9.06 8.76 8.14
Tang Common Equity/ Tang Assets 8.82 9.03 8.60 8.27 8.14
Asset Quality (%)
NPAs/ Assets 1 0.79 0.70 0.75 0.72
NPA Excl Restructured/ Assets 0.87 0.63 0.59 0.70 0.64
NPAs & 90+ PD/ Assets 1.01 0.79 0.71 0.75 0.73
NPAs/ Loans & REO 1.39 1.12 1.06 1.13 1.07
Nonaccrual & 90+ & OREO/ Assets 0.87 0.63 0.60 0.71 0.65
NPAs & 90+ PD/ Loans & REO 1.39 1.12 1.07 1.14 1.08
NPA & Loans 90+/ Tangible Common Equity + LLR 10.59 8.92 8.45 9.32 8.98
NCOs/ Avg Loans 0.22 0.17 0.14 0.10 0.08
Loan Loss Reserves/ Gross Loans 1.64 0.50 0.46 0.39 0.66
Reserves/ NPAs 118.01 44.07 43.28 34.32 62.33
Loan Loss Provision/ NCO NM 129.81 162.95 221.94 306.61
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,620,831 2,588,975 2,649,593 2,458,449 1,160,739
Tier 1 Capital($000) 2,757,972 2,726,556 2,788,017 2,597,669 1,160,739
Tier 2 Capital($000) 627,031 525,856 239,108 220,735 216,808
Total Capital($000) 3,385,003 3,252,412 3,027,125 2,818,404 1,377,547
Total Risk-weighted Assets($000) 23,825,736 23,410,256 21,569,255 19,879,051 10,819,002
Tier 1 Common Capital (CET1) Ratio(%) 11 11.06 12.28 12.37 10.73
Tier 1 Ratio(%) 11.57 11.65 12.93 13.07 10.73
Total Capital Ratio(%) 14.20 13.89 14.03 14.18 12.73
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 9.51 9.55 9.50 9.39 8.95
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 194,458,805 198,455,324 216,227,852 224,782,694 135,257,570
Avg Diluted Shares(actual) 195,168,557 206,131,628 224,816,996 158,124,270 131,234,462
Basic Book Value per Share 22.35 22.13 19.84 18.24 13.72
Book Value per Share, As Reported 22.35 22.13 19.84 18.24 13.72
Basic Tangible Book Value per Share 13.17 13.09 11.78 10.53 8.08
Tangible Book Value per Share, As Reported 13.17 13.09 11.78 10.53 8.08
Common Dividends Declared per Share 0.14 0.28 0.28 0.28 0.28
EPS after Extra 0.31 2.03 1.95 0.58 1.07
EPS after Extra Growth(%) (66.30) 4.10 236.20 (45.80) 78.30
Core EPS 0.31 2.14 2.08 1.49 1.16
Core EPS Growth(%) (70.40) 3.10 39.30 29 17.60
Diluted EPS before Amortization 0.35 2.12 2.05 0.66 1.16
Pre-Provision Earnings per Share 0.98 2.24 2.15 1.44 1.15
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