Financial Info

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 46,630,025 32,669,192 31,221,837 30,104,002 28,792,653
Total Net Loans 35,433,447 25,734,653 24,597,576 23,656,305 22,236,769
Total Deposits 38,075,190 26,720,322 26,147,900 24,648,060 23,242,661
Total Equity 4,597,753 3,133,602 2,961,566 2,927,924 3,000,196
Profitability (%)
Net Income($000) 120,186 428,476 275,474 246,784 226,082
ROAA 1.05 1.35 0.89 0.84 0.80
Core ROAA 1.41 1.39 0.99 0.88 0.82
ROAE 10.64 14.29 9.27 8.40 7.49
ROATCE 11.96 14.95 9.58 8.51 7.54
Core ROAE 14.30 14.68 10.30 8.80 7.62
Reported: Net Interest Margin 3.78 3.86 3.55 3.27 3.19
Efficiency Ratio 50.24 56.17 58.78 61.58 62.72
Noninterest Inc/ Operating Rev 16.49 19.95 21.10 22.98 24.29
Balance Sheet Ratios (%)
Loans/ Deposits 93.59 97.10 94.80 96.79 96.50
Securities/ Assets 14.69 12.87 13.39 13.07 12.85
Total Equity/ Total Assets 9.86 9.59 9.49 9.73 10.42
Tangible Equity/ Tangible Assets 8.76 9.40 9.29 9.51 10.34
Tang Common Equity/ Tang Assets 8.33 8.80 8.88 9.09 9.90
Asset Quality (%)
NPAs/ Assets 0.52 0.70 0.90 1.23 1.52
NPA Excl Restructured/ Assets 0.28 0.35 0.42 0.58 0.75
NPAs & 90+ PD/ Assets 0.53 0.72 0.92 1.24 1.53
NPAs/ Loans & REO 0.68 0.89 1.13 1.55 1.95
Nonaccrual & 90+ & OREO/ Assets 0.29 0.36 0.43 0.59 0.76
NPAs & 90+ PD/ Loans & REO 0.70 0.90 1.15 1.57 1.96
NPA & Loans 90+/ Tangible Common Equity + LLR 6.07 7.50 9.49 12.57 14.24
NCOs/ Avg Loans 0.19 0.20 0.29 0.12 0.13
Loan Loss Reserves/ Gross Loans 0.72 0.96 1 1.05 1.12
Reserves/ NPAs 105.24 108.91 88.45 67.77 57.51
Loan Loss Provision/ NCO 137.93 102.55 96.43 97.43 68.31
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 3,790,395 2,897,997 2,763,168 2,654,287 2,660,016
Tier 1 Capital($000) 3,985,535 3,090,416 2,872,001 2,685,880 2,660,016
Tier 2 Capital($000) 818,106 510,960 511,080 515,388 595,742
Total Capital($000) 4,803,641 3,601,376 3,383,081 3,201,268 3,255,758
Total Risk-weighted Assets($000) 39,994,724 29,121,309 27,667,906 26,662,081 25,643,943
Tier 1 Common Capital (CET1) Ratio(%) 9.48 9.95 9.99 9.96 10.37
Tier 1 Ratio(%) 10.01 10.61 10.38 10.07 10.37
Total Capital Ratio(%) 12.06 12.37 12.23 12.01 12.70
Leverage Ratio(%) 8.81 9.60 9.19 8.99 9.43
Per Share Information ($)
Common Shares Outstanding(actual) 157,454,007 115,865,510 118,897,295 122,266,106 129,547,032
Avg Diluted Shares(actual) 162,760,000 118,378,000 122,012,000 125,078,000 133,201,000
Basic Book Value per Share 27.96 25.36 23.85 22.92 22.19
Book Value per Share, As Reported 27.80 25.36 23.85 22.92 22.19
Basic Tangible Book Value per Share 24.38 24.75 23.27 22.32 21.99
Tangible Book Value per Share, As Reported 24.27 24.78 23.27 22.32 21.99
Common Dividends Declared per Share 0.30 1 0.60 0.48 0.42
EPS after Extra 0.72 3.47 2.17 1.89 1.62
Core EPS 0.97 3.57 2.42 1.99 1.65
Core EPS Growth(%) 14.10 47.50 21.80 20.40 13.20
Diluted EPS before Amortization 0.74 3.48 2.18 1.89 1.62
Pre-Provision Earnings per Share 1.11 4.02 2.68 2.17 1.79
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