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Financial Highlights

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 12,325,061 9,787,282 25.93 10,737,857 59.13
Total Net Loans 8,226,599 7,012,687 17.31 7,435,950 42.53
Total Deposits 9,765,451 7,633,152 27.93 8,319,328 69.53
Equity Attributable to Parent Company 1,749,012 1,361,426 28.47 1,501,636 65.90
Total Equity 1,749,012 1,361,426 28.47 1,501,636 65.90
Profitability (%)
Net Income($000) 36,757 41,113 (10.60) 41,056 (41.88)
Net Income Attributable to Parent($000) 36,757 41,113 (10.60) 41,056 (41.88)
ROAA 1.30 1.69 (39) bp 1.56 (26) bp
Core ROAA 1.64 1.70 (6) bp 1.61 3 bp
ROAE 9.21 12.10 (289) bp 11.10 (189) bp
ROATCE 14.10 19.14 (504) bp 16.71 (261) bp
Core ROAE 11.62 12.19 (57) bp 11.43 19 bp
Net Interest Margin 3.62 4.05 (43) bp 3.71 (9) bp
Reported: Net Interest Margin 3.62 4.05 (43) bp 3.71 (9) bp
Efficiency Ratio 47.78 49.25 (147) bp 49.26 (148) bp
Noninterest Inc/ Operating Rev 19.63 17.42 221 bp 18.81 82 bp
Balance Sheet Ratios (%)
Loans/ Deposits 84.99 92.86 (787) bp 90.29 (530) bp
Securities/ Assets 20.45 16.88 357 bp 19.74 71 bp
Total Equity/ Total Assets 14.19 13.91 28 bp 13.98 21 bp
Tangible Equity/ Tangible Assets 9.96 9.55 41 bp 10.08 (12) bp
Tang Common Equity/ Tang Assets 9.95 9.55 40 bp 10.07 (12) bp
Asset Quality (%)
NPAs/ Assets 0.25 0.31 (6) bp 0.26 (1) bp
NPA Excl Restructured/ Assets 0.24 0.30 (6) bp 0.25 (1) bp
NPAs & 90+ PD/ Assets 0.25 0.31 (6) bp 0.26 (1) bp
NPAs/ Loans & REO 0.37 0.43 (6) bp 0.36 1 bp
Nonaccrual & 90+ & OREO/ Assets 0.24 0.30 (6) bp 0.25 (1) bp
NPAs & 90+ PD/ Loans & REO 0.37 0.43 (6) bp 0.37 0 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 2.44 3.13 (69) bp 2.47 (3) bp
NCOs/ Avg Loans 0.07 0.03 4 bp 0.01 6 bp
Loan Loss Reserves/ Gross Loans 0.97 1.11 (14) bp 1.08 (11) bp
Reserves/ NPAs 264.51 259.21 530 bp 296.56 (3,205) bp
Loan Loss Provision/ NCO 46.05 260.71 (21,466) bp 390.63 (34,457) bp
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 1,149,681 930,941 23.50 1,023,437 49.34
Tier 1 Capital($000) 1,215,989 997,027 21.96 1,089,689 46.36
Tier 2 Capital($000) 145,571 143,406 1.51 146,274 (1.92)
Total Capital($000) 1,361,560 1,140,433 19.39 1,235,963 40.65
Total Risk-weighted Assets($000) 9,474,126 8,001,191 18.41 8,491,188 46.30
Tier 1 Common Capital (CET1) Ratio(%) 12.14 11.64 50 bp 12.05 9 bp
Tier 1 Ratio(%) 12.83 12.46 37 bp 12.83 0 bp
Total Capital Ratio(%) 14.37 14.25 12 bp 14.56 (19) bp
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 11.36 10.73 63 bp 10.86 50 bp
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 55,345,672 49,304,542 12.25 49,456,594 47.63
Avg Diluted Shares(actual) 51,569,557 49,492,019 4.20 49,549,887 16.30
Basic Book Value per Share 31.60 27.61 14.45 30.36 16.34
Book Value per Share, As Reported 31.60 27.61 14.45 30.36 16.34
Basic Tangible Book Value per Share 21.12 18.05 17.01 20.92 3.82
Tangible Book Value per Share, As Reported 21.26 18.16 17.07 21.01 4.76
Common Dividends Declared per Share 0.26 0.22 18.18 0.26 0
EPS after Extra 0.71 0.83 (14.46) 0.83 (57.83)
EPS after Extra Growth(%) (14.50) 66 (8,046) bp 3.70 (1,821) bp
Core EPS 0.90 0.84 7.14 0.85 23.53
Core EPS Growth(%) 7.20 35.50 (2,837) bp 5.80 134 bp
Diluted EPS before Amortization 0.74 0.86 (13.95) 0.86 (55.81)
Pre-Provision Earnings per Share 0.83 0.79 5.06 0.79 20.25

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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