Financial Info

Financial Highlights
2019 FQ2 YTD
6/30/2019
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 47,318,203 32,669,192 31,221,837 30,104,002 28,792,653
Total Net Loans NA 25,734,653 24,597,576 23,656,305 22,236,769
Total Deposits 37,966,722 26,720,322 26,147,900 24,648,060 23,242,661
Total Equity 4,753,816 3,133,602 2,961,566 2,927,924 3,000,196
Profitability (%)
Net Income($000) 276,370 428,476 275,474 246,784 226,082
ROAA 1.20 1.35 0.89 0.84 0.80
Core ROAA 1.41 1.39 0.99 0.88 0.82
ROAE 12.03 14.29 9.27 8.40 7.49
ROATCE 14.21 14.95 9.58 8.51 7.54
Core ROAE 14.17 14.68 10.30 8.80 7.62
Reported: Net Interest Margin NA 3.86 3.55 3.27 3.19
Efficiency Ratio 51.17 56.17 58.78 61.58 62.72
Noninterest Inc/ Operating Rev 17.51 19.95 21.10 22.98 24.29
Balance Sheet Ratios (%)
Loans/ Deposits 95.18 97.10 94.80 96.79 96.50
Securities/ Assets NA 12.87 13.39 13.07 12.85
Total Equity/ Total Assets 10.05 9.59 9.49 9.73 10.42
Tangible Equity/ Tangible Assets 8.98 9.40 9.29 9.51 10.34
Tang Common Equity/ Tang Assets 8.56 8.80 8.88 9.09 9.90
Asset Quality (%)
NPAs/ Assets 0.56 0.70 0.90 1.23 1.52
NPA Excl Restructured/ Assets 0.29 0.35 0.42 0.58 0.75
NPAs & 90+ PD/ Assets 0.57 0.72 0.92 1.24 1.53
NPAs/ Loans & REO NA 0.89 1.13 1.55 1.95
Nonaccrual & 90+ & OREO/ Assets 0.31 0.36 0.43 0.59 0.76
NPAs & 90+ PD/ Loans & REO NA 0.90 1.15 1.57 1.96
NPA & Loans 90+/ Tangible Common Equity + LLR 6.38 7.50 9.49 12.57 14.24
NCOs/ Avg Loans 0.16 0.20 0.29 0.12 0.13
Loan Loss Reserves/ Gross Loans NA 0.96 1 1.05 1.12
Reserves/ NPAs 96.78 108.91 88.45 67.77 57.51
Loan Loss Provision/ NCO 123.63 102.55 96.43 97.43 68.31
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 3,899,532 2,897,997 2,763,168 2,654,287 2,660,016
Tier 1 Capital($000) 4,094,672 3,090,416 2,872,001 2,685,880 2,660,016
Tier 2 Capital($000) 818,371 510,960 511,080 515,388 595,742
Total Capital($000) 4,913,043 3,601,376 3,383,081 3,201,268 3,255,758
Total Risk-weighted Assets($000) 40,564,781 29,121,309 27,667,906 26,662,081 25,643,943
Tier 1 Common Capital (CET1) Ratio(%) 9.60 9.95 9.99 9.96 10.37
Tier 1 Ratio(%) 10.09 10.61 10.38 10.07 10.37
Total Capital Ratio(%) 12.11 12.37 12.23 12.01 12.70
Leverage Ratio(%) 8.92 9.60 9.19 8.99 9.43
Per Share Information ($)
Common Shares Outstanding(actual) 156,872,026 115,865,510 118,897,295 122,266,106 129,547,032
Avg Diluted Shares(actual) 160,908,000 118,378,000 122,012,000 125,078,000 133,201,000
Basic Book Value per Share 29.06 25.36 23.85 22.92 22.19
Book Value per Share, As Reported 29.06 25.36 23.85 22.92 22.19
Basic Tangible Book Value per Share 25.53 24.75 23.27 22.32 21.99
Tangible Book Value per Share, As Reported 25.53 24.78 23.27 22.32 21.99
Common Dividends Declared per Share 0.60 1 0.60 0.48 0.42
EPS after Extra 1.68 3.47 2.17 1.89 1.62
Core EPS 1.99 3.57 2.42 1.99 1.65
Core EPS Growth(%) 11.90 47.50 21.80 20.40 13.20
Diluted EPS before Amortization 1.72 3.48 2.18 1.89 1.62
Pre-Provision Earnings per Share 2.24 4.02 2.68 2.17 1.79
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