Financial Info

Financial Highlights
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 32,669,192 31,221,837 30,104,002 28,792,653 27,050,237
Total Net Loans 25,734,653 24,597,576 23,656,305 22,236,769 20,903,316
Total Deposits 26,720,322 26,147,900 24,648,060 23,242,661 21,531,700
Total Equity 3,133,602 2,961,566 2,927,924 3,000,196 3,041,270
Profitability (%)
Net Income($000) 428,476 275,474 246,784 226,082 195,249
ROAA 1.35 0.89 0.84 0.80 0.74
Core ROAA 1.41 0.99 0.88 0.82 0.80
ROAE 14.29 9.27 8.40 7.49 6.45
ROATCE 14.95 9.58 8.51 7.54 6.44
Core ROAE 14.89 10.30 8.80 7.62 7.04
Reported: Net Interest Margin 3.86 3.55 3.27 3.19 3.38
Efficiency Ratio 55.60 58.78 61.58 62.72 63.61
Noninterest Inc/ Operating Rev 19.95 21.10 22.98 24.29 23.54
Balance Sheet Ratios (%)
Loans/ Deposits 97.10 94.80 96.79 96.50 97.98
Securities/ Assets 12.87 13.39 13.07 12.85 11.73
Total Equity/ Total Assets 9.59 9.49 9.73 10.42 11.24
Tangible Equity/ Tangible Assets 9.40 9.29 9.51 10.34 11.16
Tang Common Equity/ Tang Assets 8.80 8.88 9.09 9.90 10.69
Asset Quality (%)
NPAs/ Assets 0.70 0.90 1.23 1.52 2.35
NPA Excl Restructured/ Assets 0.35 0.42 0.58 0.75 1.06
NPAs & 90+ PD/ Assets 0.72 0.92 1.24 1.53 2.36
NPAs/ Loans & REO 0.89 1.13 1.55 1.95 2.99
Nonaccrual & 90+ & OREO/ Assets 0.36 0.43 0.59 0.76 1.08
NPAs & 90+ PD/ Loans & REO 0.90 1.15 1.57 1.96 3.01
NPA & Loans 90+/ Tangible Common Equity + LLR 7.50 9.49 12.57 14.24 20.29
NCOs/ Avg Loans 0.20 0.29 0.12 0.13 0.39
Loan Loss Reserves/ Gross Loans 0.96 1 1.05 1.12 1.23
Reserves/ NPAs 108.91 88.45 67.77 57.51 41.16
Loan Loss Provision/ NCO 102.55 96.43 97.43 68.31 42.79
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 2,897,997 2,763,168 2,654,287 2,660,016 2,407,645
Tier 1 Capital($000) 3,090,416 2,872,001 2,685,880 2,660,016 2,543,625
Tier 2 Capital($000) 510,960 511,080 515,388 595,742 NA
Total Capital($000) 3,601,376 3,383,081 3,201,268 3,255,758 2,987,406
Total Risk-weighted Assets($000) 29,121,309 27,667,906 26,662,081 25,643,943 23,431,497
Tier 1 Common Capital (CET1) Ratio(%) 9.95 9.99 9.96 10.37 10.28
Tier 1 Ratio(%) 10.61 10.38 10.07 10.37 10.86
Total Capital Ratio(%) 12.37 12.23 12.01 12.70 12.75
Leverage Ratio(%) 9.60 9.19 8.99 9.43 9.67
Per Share Information ($)
Common Shares Outstanding(actual) 115,865,510 118,897,295 122,266,106 129,547,032 136,122,843
Avg Diluted Shares(actual) 118,378,000 122,012,000 125,078,000 133,201,000 139,154,000
Basic Book Value per Share 25.36 23.85 22.92 22.19 21.42
Book Value per Share, As Reported 25.36 23.85 22.92 22.19 21.42
Basic Tangible Book Value per Share 24.75 23.27 22.32 21.99 21.23
Tangible Book Value per Share, As Reported 24.78 23.27 22.32 21.99 21.23
Common Dividends Declared per Share 1 0.60 0.48 0.42 0.31
EPS after Extra 3.47 2.17 1.89 1.62 1.33
Core EPS 3.62 2.42 1.99 1.65 1.46
Core EPS Growth(%) 49.80 21.80 20.40 13.20 46
Diluted EPS before Amortization 3.48 2.18 1.89 1.62 1.33
Pre-Provision Earnings per Share 4.08 2.68 2.17 1.79 1.62
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